DECEMBER 2021
Elite
02
OPPORTUNITY
Steve Greer
Chief Executive Officer
American Income Life &
National Income Life Divisions
Membership has its privileges.
— American Express ad campaign
slogan 1987–1996
Y
ou may find this hard to believe
but I wasn’t always the smooth, debo-
nair CEO about town I am today. For
those who don’t know me personally, I can
assure you that’s a joke. Truth is, I’m a country
boy who can still be surprised by the world.
I remember my first business trip like it
was yesterday. I was 25, fresh out of college,
working a “big time” job with General Electric,
and I flew from Louisville, Kentucky to
New York City. Of course, I was completely
overwhelmed by the Big Apple but I was out
of my element before I even left the termi-
nal in Louisville!
When the attendant announced the
flight would begin boarding, I jumped up,
AN
grabbed my briefcase, ready to be one of the
first passengers on the plane. That was when
I learned about frequent flyer perks and
privileges. Silver, gold, platinum, titanium,
rubies, sapphires – I never heard of such a
thing. Ultimately, I did sign up for the airline’s
rewards program, already looking forward
to the day when I’d be the one getting on the
plane first, and at some point, I’d get to fly for
free to wherever I wanted! Who knew?
Whether it’s frequent flyer miles or
cash-back credit cards, or cards that give you
something free when all the holes are punched,
who doesn’t love a good rewards program?
And what better way to show appreciation for
people who go the extra mile to contribute to
the Company’s success?
Introducing American Income
and National Income Life’s Pinnacle
Recruiting Club.
I’d love to take the credit for this impres-
sive program, but props belong to Senior VP of
Field Operations Mike LiBassi. He developed
the program, researched the prizes, and
helped coordinate with the different depart-
ments internally as well as various vendors
to make sure Pinnacle is just that – the crème
de la crème of exclusive programs to reward
Personal Recruiting. Even I was floored at
Mary Lampert, Johnny Matthies, Chris Melton
the extensive list of prizes and perks. See
pages 24-25 for more info about Pinnacle
Recruiting Club.
You’ll be learning more about Pinnacle in
the days leading up to its official kick-off so
rather than say more about the program itself,
I’d like to talk about why.
As you know, Personal Recruiting is an
established part of the culture here at AIL-
NILICO. That’s because the data is clear that
Personal Recruiting continues to be our best
source of quality candidates. Even if it’s as ran-
dom as chatting up someone who happened to
be standing behind you at the coffee counter,
that connection is enough to help them make
it through those tough days in the beginning.
Personal Recruits perform better, stay longer,
and complete the circle by bringing in other
recruits, continuing that same sense of con-
nection. It’s like the gift that keeps on giving!
James Clear, author of Atomic Habits
wrote, “Think about what you want today and
you'll spend your time. Think about what you
want in 5 years and you'll invest your time.” I
can’t think of any better way to invest your
time than sharing our career opportunity with
others AND getting rewarded for doing it!
Reach for the Pinnacle!
© 2021 by American Income Life Insurance Company
ARC.AILife.com/Spotlight.aspx
A monthly publication spotlighting top
producers of American Income Life and
National Income Life
MANAGING EDITOR
Sam Yarbrough
WRITER & COPY EDITOR
Leah Fry
SR. GRAPHIC DESIGNERS
Mikailah Clark
Maggie Hill
CONTRIBUTORS
Daniel Acton, Robyn Allen, Brynn Caccamo
Karen Curtis, Jonna Edwards, Lana Giebe
Sarah Groves, Angel Henderson
Muñeca Moody-Yanez, Jessica Nelson
Pat Nevarez, Danielle Pizana, Teresa Soto
Christina Speasmaker, Krystal Stagg
Destiny Tigner, Stephanie Villalvazo
Andrew Wesolick, Rhonda York
_ Home Office by Thursday 1/27. eApp business excluded from the 7 day hold should be uploaded by Monday 1/31
Spotlight is published monthly by
American Income Life Insurance Company
for the dissemination of information to
its Producers. Prior permission must
be obtained from American Income for
reproduction or other use of material herein.
_ in total BONUSES were paid out this month by
HOME OFFICE
254-761-6400
WEBSITES
AILife.com
NILife.com
AILLaptopOnDemand.com
NILICOLaptopOnDemand.com
AILAcademy.com
SOCIAL MEDIA
AIL.NILICO.AgencyDivision
AIL.NILICO.AgencyDivision
ailagencydiv
AILAgencyDiv
RECRUITING SUPPORT
AILife.com/Recruiting
NEWS DECEMBER 2021 03
VOL. 54 NO. 12
SGA Career Track
New Markets Opening & Expanding!
There is a growing need for ambitious leaders. AIL/NILICO is looking for MGAs
and GAs wanting to pursue the SGA Career Track. If you are interested, speak to
your SGA, then send an email to: futuresga@ailife.com.
Required Retention Rate
Effective Jan. 1, 2018, to be eligible for bonuses and be featured in Spotlight,
Retention: 73.0%
Producers must meet the required Retention or the minimum Net to Gross. Net to
Net to Gross: 80%
Gross varies based on bonus guidelines and is used only during the Producer’s first
twelve months. The rates listed are for Spotlight recognition only.
Dates to Remember
eApp business and paper applications subject to the 7 day hold should be uploaded or sent to Home Office by
Monday 1/24 before 2:00 p.m. CST. Paper apps excluded from the 7 day hold and PR credits should be sent to
before 4:30 p.m. CST to count for January production.
eApp cutoff has been extended to 3:30 p.m. CST every Wednesday, Thursday, and last day of the calendar month to
allow more business to load before the weekly advance and end-of-month AP&P cutoff. All other days of the week
remain the standard 2:00 p.m. CST cutoff time.
$6,056,751
AIL and NILICO. For more information on the monthly
bonuses, turn to Pages 42–48.
$7,793,820
in total October RENEWALS were paid out in
November to 5,630 total agents.
SP TLIGHT DIGITAL
is now on the web!
Spotlight.AILAgents.com
Username: AIL | Password: allin2022!
See your SGA or manager if you need assistance.
Look for the asterisk! The asterisks, shown throughout the magazine indicate that place will be a year-
to-date award winner. The Producers who will be recognized at the 2022 Awards Presentation are: the top SGA per
category from Categories I–XI based on Net ALP Growth (minimum 15%) and Cat XII based on % of Net ALP Objective
(minimum 100%), the top MGA/RGA from each category based on Growth (minimum 10%), the top five GAs, the top
five SAs, the top ten Rookie Individual Producers, the top ten Veteran Individual Producers, the top PR Representative
from each category and the top PR Manager from each category. View the 2022 Convention Qualifications online at
ARC.AILife.com or ARC.NILife.com. Check your production! If there is an asterisk by your position, you could
be on your way to stay at Caesars Palace in Las Vegas, Nevada. The convention will be held May 4–7, 2022. LOOK
FOR ME!
04
Anniversaries 05

32 YEARS OF SERVICE Amr Shater, RGA Marc D’Emilia, GA Cody Langston, GA Cameron Gray, GA Shatavia Fulton, SA Osmaning Ventura, AGT Christopher Burkholder, GA Ruben Gomez, GA Alejandra Larez Morales, GA Mathew Porter, AGT Mason Tortorice, SA
Brett Hulme, PR 12 YEARS OF SERVICE Hugo Flores, GA Preston Lewis, SA Corey Helwig, GA Kelsey Golko, SA Brenda Wadey, PR Alexander Camacho, GA Karla Gonzalez, AGT Edmund Leddy, AGT Erma Rainey, SA Steven Toth, SA
28 YEARS OF SERVICE Amanda Cross, PR Irma Gallardo, GA Jadwiga Martins, MGA Donnette Jones, SA Edgar Gonzalez Montesino, GA Mary Waits, SA Axel Carrasquel, MGA Melissa Goppert, SA Kenneth Lee, SA Nadine Ramnauth, SA Jonathan Truong, AGT
Earle Harris, AGT Alexandra Graham, RGA Tiffiney Harmouche, AGT Clint Perry, RGA Malcolm King, SA Lowana Gooch, AGT Joshua Winters, GA Meredith Carrier, AGT Juan Guzman Aular, SA Tamara Leong, SA Keyonta Rawls, SA Corean Turner, AGT
23 YEARS OF SERVICE Christopher Hintz, RGA Travis Kovach, MGA John Santosuosso, RGA Anton Ljuljdjuraj, MGA Shavonne Grant, GA Daevon Yarbrough, GA Megan Carrillo, AGT Lisarenee Hahnlen, SA Ivonne Leon Viviescas, SA Anna-Louise Rescigno, SA Martin Vargas, AGT
Ruben Soberanes, AGT Bruce Tan, SA Paul Torman, GA Robert Stevens, SA Angelo Luciano, SA Ayisha Henry, SA Brittmarie Yarian, GA Michael Carter, SA Lori Hamel Johnson, GA Mary Long, AGT Abbey Rickelmann, AGT Chetna Vats, AGT
22 YEARS OF SERVICE 11 YEARS OF SERVICE Jinelly Urena, RGA Melinda Tolliver, AGT Maria Rowena Magquilat, AGT Julian Hicks, SA 1 YEAR OF SERVICE Ashley Charriere, SA Shundra Hampton, SA Juan Lopez, AGT Jackeline Rivera, AGT Maria Velasquez
John Franklin, AGT Jose Carvajal, SGA 7 YEARS OF SERVICE Kelly Yingling, AGT April Marquez, AGT Matthew Hunsberger, GA Gillian Abeyta, SA Alexander Cohen, SA Ashley Harris, AGT Morgan Luptak, AGT Rafael Rodriguez Borda, AGT De Romero, SA
20 YEARS OF SERVICE Nina Dolman, SA Athea Buchanan, MGA 4 YEARS OF SERVICE Krystal McGlown, SA Todd Krupa, GA Rayd Aboltef Garcia, AGT Terra Colangelo, SA Ryan Heckard, AGT Jill Lytle, SA Cherry Rogers, SA Brandon T Williams, SA
Arnold Iacoviello, AGT Antonio Evans, MGA Eric Butt, GA Jose Anderson, GA Triston Miller, AGT Dubravka Lazarevic, AGT Matthew Adams, SA Chandler Collins, GA Derek Helmer, SA Maria Madrid, AGT Andrea Rojas Salcedo, AGT Emily Williams, GA
Larry Lozano, PR Andre Hawthorne, SGA Christie Jauch, GA Eyad Awdi, RGA Zachary Poker, MGA Amanda Lustbader, SA Steven Aguirre, AGT Michael Cooper, SA Caitlin Hill, SA Wendy Martin, SA Paul Samra, MGA Jacob L Williams, AGT
19 YEARS OF SERVICE Shahab Mahdavinejad, RGA Sergio Joaquin Haro, GA Carly Baird, SA Marina Ralls, SA Rochelle Magpantay, SA Hayward Alexander, AGT Tammy Cornett, SA James Hill, GA Julia McLaughlin, SA Michael Scarborough, SA Michael Wilson, GA
Andrew Bishop, RGA Carmela Randazzo- Eric Stahurski, MGA Sean Blaney, GA Olivia Rayn, GA Hetu Mahindra, PR Maher Altairi, SA Simone Cotton, SA Wayne Hill, SA Rosa Melaragno, AGT Gianna Scartelli, SA Donald Wolak, SA
Karen McQuoid, AGT Stevenson, AGT Steven Warner, RGA Ruben Cortez, MGA Gabriel Rocha, MGA Christi Manley, AGT Joelyn Anderson, AGT Maryann Cox, SA Harvey John Holder, AGT Tanner Midlick, SA Dylan Schmidt, SA Meredith Woolverton, SA
Dustin Venekamp, SGA Brandon Summerton, RGA Josh West, SGA William Dugan, RGA Lindsay Staffiery, MGA Kevin McCarney, AGT Nawshin Anis, SA Gloria Cristobal, GA Craig Hollowell, AGT Carolina Miranda, AGT Kacie Schwartfigure, SA Kevin Yeager, SA
18 YEARS OF SERVICE Ashley Wenning, RGA Zachary Whipple, AGT Mavrick Fredericks, RGA Colleen Stephenson, SA Silas Merkel, SA Fazila Arshad, SA Cynthia Cross, SA Antoinette Honorat, GA Joseph Misleh, SA David Sedlecky, AGT
Ed Olfert, AGT 10 YEARS OF SERVICE Greta Wilson, AGT Joe Lewo, MGA Cameron Watson, AGT Youliana Mikhaiel, SA Colin Atchison, SA Esmeralda Cruz, SA America Hughes, AGT Alejandro Mondragon, AGT Jorge Serra, GA
Alan Sedaghat, RGA Tommy Conard, MGA Jeffrey Witherall, MGA Bobby Lo, AGT Alexis Webb, GA Kendra Newton, SA Grace Atencio, AGT Jakiah Dawson, AGT Sahrooz Hussain, SA Estephanie Montecillo, SA Kara Sesby, SA
16 YEARS OF SERVICE Nicki Griffiths, RGA 6 YEARS OF SERVICE Dennis Manko, AGT 2 YEARS OF SERVICE Edward Olawumi, AGT Edgar Avalos, AGT Diego Demerath, SA DeAngelo Jackson, SA Nestor Morales, GA Tyler Sevilla, AGT
Simon Arias, SGA Robert Janev, RGA Mark Dushaj, RGA Linda Marquez, MGA Jacquelyn Andaluz, GA Clemmyesha Owens, AGT Gideon Azaah, AGT Alexis De Santi, AGT Georgette Jackson, AGT Luisa Moreno, AGT Scott Seymore, AGT
Theodore Greer, AGT Jean M Joseph, MGA Seth Frisby-Jack, MGA Sherrie McCarty, RGA Norvi Belisario, MGA Harriet Parker, AGT Fereshteh Baranriz, GA Dirk Devries, SA Carolyn Jimenez, SA Matthew Morris, SA Mohammadreza
Melissa Losk, AGT Gregory McDuffie, SA Mark Lahijani, RGA Matthew McDowell, RGA James Bell, SA Steven Reeves, SA Brock Bearshield, AGT Erlan Diego, SA Bruce Johnson, AGT Kelli Myers, AGT Shahrestani, AGT
15 YEARS OF SERVICE David Rigney, RGA Kory Louvelle, AGT Ryan Reutenauer, SA Helgi Bistochett Navarro, RGA John Reil, SA Ashley Beasley, SA Elba Dominguez, AGT Janeen Jones, MGA Kelly Nelson, SA Meghan Sides, SA
Alberto Alcala, RGA Scott Wheeler, RGA Felipe Machado-Santanna, GA Dorota Rusew, AGT Kaleigh Brann, GA David Rhodes, AGT Gemma Beauchamp, AGT Betsy Duong, AGT DaOne Jordan, AGT Diego Nieves, AGT Shaun Smith, MGA
Mario Chavez, GA 9 YEARS OF SERVICE Monica McKinney, AGT Max Schober, GA Jonathan Bransford, SA Jeremiah Russin, MGA Brenna Behan, SA Andrew Elledge, MGA Leland Jossy, AGT Jeremy Nutt, AGT Jordan Steward, AGT
Blake Higuchi, RGA Matthew Bogle, RGA Zonia Ramirez, AGT Cherrish Taylor, AGT Shanna Cote, SA Olivia Saenz, SA Maria Bellio Huerta, AGT Kylie Evanshen, SA James Keeney, SA Roberto Oleta Martinez, GA Chad Storozuk, SA
Erin Moyer, AGT Brent Bowling, RGA 5 YEARS OF SERVICE Magaly Una, GA Ryan Crawford, MGA Rafael Sanchez Reyes, GA Saly Beshara, AGT Kristina Fennessy, AGT Amanda Kincaid, AGT Corina Omoware, SA Elizabeth St Pierre, AGT
14 YEARS OF SERVICE Corey Helly, RGA Allan Allas, SA Jasmine L Walker, GA Christopher Davis, MGA Brandon Scharmer, GA Brian Bibb, AGT Jamaurick Fisher, GA Barbara King, SA Joshua Patko, AGT Tammie Sullivan, SA
Robin Denham, PR Brittni Kwiecien, SA Elijah Brown, MGA 3 YEARS OF SERVICE Crizelle Delmo, AGT Sean Smith, MGA Adam Birch, SA Kadiatou Fofana, SA Dale Kopytko, AGT Carmen Pena Guedez, MGA Dezsinique Sumler, AGT
Jamison Weatherspoon, SGA Tasha Marker, GA Stephen Coons, RGA Veronica Akinrelere, SA Christopher Ellis, AGT Matthew Sturgis, SA Beverly Bishop, AGT Robert Furman, AGT Jared Kovach, AGT Edwin Perez, GA Robert Taupau, AGT
13 YEARS OF SERVICE Joseph Tomanovich, RGA Giovanni Diduro, MGA Robert Boyd, GA Bryce Engstrom, GA Benjamin Sulcer, GA Pedro Bolivar Pena, SA Maria Galvez, AGT Michael Kroll, AGT Aleksandar Petrovic, AGT Skye Tennant, AGT
William Charnow, AGT 8 YEARS OF SERVICE Stephen Fougere, AGT Michele Faul, GA Hillary Fisher, SA John Tong, GA Thomas Breazeale, AGT Arlene Garcia, AGT Robert Kronser, AGT Daquan Phillips, AGT Ileana Tineo, GA
Joshua Olin, RGA Evelin Castro-Sharif, SA Albert Huff, MGA Elijah Findley, GA Isaac Foster, MGA De’Carleon Townsend, SA Edrick Brooks, SA Shadonna Gladney, AGT Valeria Lake, SA Crystal Pitre, SA Jason To, SA
Jovencio Sales, SA Shalom Chaimov, GA Jacqueline Kabluyen, RGA Gerardo Garza, SA Robyn Foster, SA Zailin Valenzano Finol, AGT Janice Brown, SA Yelineth Godoy Latuff, MGA Nicolas Lardit Rocha, AGT Devin Ploof, AGT Kenneth Torkelson, AGT

Promotions
REGIONAL GENERAL AGENT Kimbria Bracey Joseph Crivelli Brandon Scharmer Maria Cabra Natalie Parkinson Dupley Elion Bendo Harrison Chough Mayra Gutierrez Rodriguez Erica Lent Nevin O’Sullivan Mary Teah
Jason Ashline Robert Brannan Velvet De Sousa Dagostino Kevin Thomas Jonathon Campbell Mandy Rion Charlie Bermudez Robin Cole Melissa Hayfa Kolbie Lewis Keenan Pacheco Damaris Trejo
MASTER GENERAL AGENT Gloria Cristobal Amanda Dougherty Cody Walter Sidney Capen Dan Smith Joe Bevacqua David Croom Daniel Janjigian Luke Lopiccolo Yelitza Manuela Palma Bandres Donald Wash
Danial Arif Sirena Faircloth Shelby Elder Michael Wilson Dajhanna Chung Kyle Trantham Connor Bonn Anabell Cruz Alex Jankowski Ryan Marquis Dmitry Pendro Nichole Weaver
Shannon Cotter Elio Gomez Shanna Eller 57.5% GENERAL AGENT Mack Cole Breyon Williams Melissa Boundy Cooper Davidson Franklin Johnson Anthony Martinez Leon Pickett Jamie Webster
Johnathon Egan Karima Hartani Fabian Escatel Jonathan Ballard Jacob Collins Augusta Zablotny Ernest Bourk Andrea Day Josey Johnson Michael Miceli Brandon Pool John Zalesky
James Evans Ashley Kopchak Alexus Gatson Casey Combs Luz Cortes 62.5% SUPERVISING AGENT Catherine Braund-Pereira Jade Denny Renata Johnson Franklin Montejo Daryuztka Rodriguez Balza 52.5% SUPERVISING AGENT
Nicholas Gasparro Miguel Marquina Asante Jackson Marvin Fernandez Zakaria Elgahmi Mohamed Aljahmi Marcellus Brice Ashley Douglas Zachary Johnston Jordan Mosher Maribel Rueda Justin Allen
Anton Ljuljdjuraj Karli McCleery Robert Joseph Jessica Specht Charles Gangloff Maher Altairi Eric Brisbon Timothy Foote Osiris Kessinger Emily Muise Aliya Russell Sunday Conine
Kathleen Mezik Joshua McTier Mariah Luquin Botello 65% SUPERVISING AGENT Bradley Harrell Jacquelyn Arce Danielle Bromley Christopher Foster Erin Kiousis Michael Mullen Lisia Sanford Victoria Divinsky
Gabriel Rocha Sarah Moore Jose Matos Taliah Allen David Helbling Jaheim Armstrong Ian Burrows Stephanie Freeman Perrin Knight Kevin Musai Joanna Shipkowski Kelsey Friedler
Ryan Slone 67.5% GENERAL AGENT Karen Mosley Garrett Amora Pamela James Mohamed Ashikali Braydon Cameron Stephanie Getschmann Lucas Konstatos Akash Naidu Darrell G Smith Roman Kreys
Shaun Smith Nicola Albano Dylan Murphy Robert Bankston Keaton Lambiotte Adrian Barrera Stacy Carlton Juslivel Gonzalez Rodriguez Tamara Koonce Benito Natividad Rachel Smith Gina Lopez
Rodney Taylor Mario Borino Kristel Paredes Garcia Daxton Barzee Rhonda Ledbetter Chantel Baumgardner Dalton Cassavoy Marissa Goodman Caitlyn Krichew Yessenia Navarro Jordan Spradlin Josefina Lugo
70% GENERAL AGENT Veronica Britos Edwin Perez Michael Benoit Sullen Nguyen Lauretta Bawo Eduardo Castillo Zack Gordon Hrithik Lakhanpal Kimberly Nokk Michael Swanson Aimee Olson
Nathaniel Bermes Nicole Cenkner Belinda Polite Priscilla Brito Penelope Osborne Heather Beatty Andrew Caywood Taylor Griffith Ryain Lee Demarcus Oliver Jenny Taylor Hilary Uzcategui
06
IT’S ALL ABOUT
WORKER
DIGNITY
Jason
Beckman
Division Vice President
PR Field Operations
O
ne aspect of AIL that is so
unique is we always strive to
give back to any community that
we take anything out of in our pursuit to
Support Working Families. We work with
our labor allies to support their efforts
in word and deed as the attack on labor
seemingly isn’t going to slow down. Since
the beginning of 2021, there has been a
groundswell of discontent between workers
and employers resulting in 368 strikes count-
ed by the Labor Action Tracker from the
School of Industrial and Labor Relations at
Cornell University.
Why do workers go on strike? One word –
dignity. Strikes usually happen when there’s
a disconnect between the employer and
union in providing wage increases, improved
health benefits, and retirement benefits that
provide workers the reward of their time and
talent to help companies profit.
Many workers walked off the job in the
Northeast, the Rust Belt, the Midwest, and
the West Coast. This year saw two dozen
school bus drivers in Southern Maryland
along with some 10,000 John Deere factory
employees in Iowa, Illinois, and beyond
walk off the job. There has also been worker
discontent in less expected places like
Alabama where more than 1,000 coal miners
have been on strike since April. Alabama
was also at the center of controversy when
the RWDSU union attempted to organize
Amazon warehouse workers to no avail.
Our friends in labor, our Sisters and
Brothers, need help from business allies
to voice their support. What makes this
07
Company so unique is our firm stance and
support of labor at the national and local
levels. Our commitment to serving work-
ing families is not only to provide financial
protection to working families but to uphold
the commitment of our founder, Bernard
Rapoport, to be a Company that fights
social injustice.
This year saw the PR team and our agen-
cy partners collaborate to walk picket lines
with our Sisters and Brothers, deliver food
and water to those on the picket line and
waive premium for those with AIL-NILICO
policies. In addition, the Company made
financial contributions to union strike funds
that support displaced workers who are with-
out a paycheck. There’s no other company
like American Income.
When we come together as a PR Team
and SGA body our mission is simple: we pro-
vide dignity to families who seek financial
security and restore dignity to workers who
seek a better life and future.
08
NEW ASSOCIATES 09

PER MANAGER
PREPPING FOR A
SA
NAME

Luis Barbaresco Garcia

# SGA

5 Richardson Latino Division

NAME

Sherita Thompson
# SGA

2 Souley Bah
NAME

Heather Graham
# SGA

2 London Nelson
BIG FINISH!
Maria Papilago 4 Hemerson Gonzalez Carolyn Jimenez 2 Giglione-Ackerman Jojuan Wilson 2 Ernest Powell
Diana Navarro
Jorge Reyes
4
3
Jesus Romero
Jesus Romero
Maher Altairi
Marcos Villalobos Morales
2
2
Zach Hart
Fort Worth Latino Division
Yolamar Picon Mora
Chloe Snow
2
2
Jesus Romero
Michael Vasu
SIX TH CONSECUTIVE BES T MONTH IN A ROW!
Ronald Rodriguez Garcia 3 Jesus Romero Edgar Velasquez Romero 2 Richardson Latino Division Carrie Padgett 2 Williams-Akinade
John Curry 2 AO Laura Knopf 2 Sabrina Lloyd
Vanessa Mabry-Jordan 2 AO Eric Caballero 2 Andrew McQuade

GA Sales Quality/Reinstatements
NAME # SGA NAME # SGA NAME # SGA • BEST November in Company history! • Total of 4,291 policies conserved
Jose Aranguren 9 Richardson Latino Division Thomas Wright 2 AO Glorieth Liscano Gamero 2 Fort Worth Latino Division – 3,472 reinstatements
Lubraska Iguaro 8 Jesus Romero Chris McElmoyl 2 AO-Lorence Alexandra Jaeger 2 Sabrina Lloyd $21,392,995 Net ALP
• 
Danny Souri 6 Sabrina Lloyd Joseph Crivelli 2 Simon Arias Michael Jang 2 Sabrina Lloyd – 819 reopens
Ragih Murshed 5 Zach Hart Montana McDonald 2 Simon Arias Skay Nusenu 2 Sabrina Lloyd
• 7.9% Growth over November 2020
Jozef Tinaj 4 AO Shavonne Grant 2 Mark Beckford Ebony Ortiz 2 Sabrina Lloyd • Persistency: 84.52%
Havis Alvarado 4 Hemerson Gonzalez Belinda Polite 2 Mark Beckford Heriberto Chavez 2 Andrew McQuade
Kimbria Bracey 4 Ernest Powell Kamie Clark 2 Jose Carvajal Phillip Rigoli 2 Nick Moore • 8.86% YTD Growth
Minh Phung 3 AO Jordan Stelzer 2 Richard Correa Sancreisha Morgan 2 London Nelson • 4-month retention: 80.8% — tie with
Eddie Gonzales 3 Jose Carvajal Amanda Ashley 2 Giddens-Giddens Susana Vargas 2 Theodore Pappas highest in Company history
Arianna DaLuz
Outtara Ly-Beltre
3
3
Fisher-Zuzick
Giglione-Ackerman
Alexandria Greer
Stephanie Burghardt
2
2
Giddens-Giddens
Brett Gryska
Raul Pinto
Sky Plunkett
2
2
Jesus Romero
S-S-Bendure-Hartwig Recruiting • Net-to-gross: 86% — highest in
Luis Osorio Bello 3 Fort Worth Latino Division Gianni Toma 2 Zach Hart Selina Maldonado 2 Michael Vasu
Luis Guzman Millan 3 Jesus Romero Jhon Escauriza Contreras 2 Fort Worth Latino Division Tecole Smith 2 Michael Vasu • 1,325 new associates Company history 4 months in a row
Sabrina Levi 3 Albert Serur Carlos Falcon Barros 2 Fort Worth Latino Division Jordan Jones 2 Dustin Venekamp

MGA
NAME # SGA NAME # SGA NAME # SGA Public Relations
Jorge Caridad 9 Fort Worth Latino Division Johnny Ly 4 Giglione-Ackerman Raul Rojas 3 Jose Carvajal
Yania Tineo Soto 9 Richardson Latino Division Nairobi Contreras 4 Hemerson Gonzalez Nakita Fortin 3 Denis-Michael Catalano • 261 groups signed — 39% increase over
Luis Velasquez 8 Jesus Romero Antonino Taormina 4 Brett Gryska Gabriela Sime 3 Fisher-Zuzick November 2020
Duane Shaw 7 Sabrina Lloyd Brenda Fox 4 London Nelson Elias Boles 3 Brett Gryska
Zach Otto 6 Sabrina Lloyd Clayton Slaughter 4 Michael Vasu Joseph Rotolo 3 Henderson-Locker
Ahmed Kassem 5 Zach Hart James Cassie 4 Williams-Akinade Axel Carrasquel 3 Fort Worth Latino Division
• 351,547 members signed
Ashley Clarke 5 Ernest Powell Brody Maughan-Evanson 3 Simon Arias Carmen Pena Guedez 3 Jesus Romero — 18% increase over November 2020
Andrew Bishop 4 AO Eric Snyder 3 Simon Arias Iv Menache 3 Albert Serur
Mark Dushaj 4 AO Donald DeVoise 3 Slav Bitman Danny Juskiw 3 S-S-Bendure-Hartwig • 71 original groups signed
Troy Williams 4 Souley Bah Dwayne Gomez 3 Jose Carvajal Johnny Fuller 3 John Young
— 97% increase over November 2020

RGA NEW ASSOCIATE – $1,000 contract-to-date new agent

NAME # SGA THE MINIMUMS FOR RECOGNITION ARE:
SA & GA – at least two new associates during the month
Robert Janev 15 Sabrina Lloyd
MGA – at least three new associates during the month
RGA – top three RGAs during the month
This list recognizes SAs, GAs, MGAs and RGAs for the number of new associates
under their hierarchy for the month.
10 11

MEMBERS — By Number of Eligible Legacy Recruits*

TOP RECRUITING AGENTS ▼ NOVEMBER ●

TOTAL LEGACY RECRUITERS: 308 TOTAL LEGACY RECRUITS: 380

Erica Robertson Philip Roffi Anizabeth Parra Gonzalez Kimbria Bracey Drake Smith Steven Barton
Simon Arias Cindy Furer Adel Al Choufi Naim Ernest Powell Richard Correa Corey Neff
26 Recruits 15 Recruits 11 Recruits 10 Recruits 10 Recruits 6 Recruits
PLATINUM GOLD SILVER SILVER SILVER BRONZE

Samuel Artzis Sean Saigeon Blake Tomblin

5 Recruits 5 Recruits 5 Recruits
AO-Lorence AO Simon Arias

NAME # RECRUITS NAME # RECRUITS NAME # RECRUITS NAME # RECRUITS NAME # RECRUITS
Samuel Artzis 5 Matthew Thu 3 Braydon Cameron 2 Jeffery May 2 Ian Rouleau 2
Sean Saigeon 5 Adam Wheeler 3 Halima Cameron 2 Joshua Notte 2 Crisbeling Scandela Reyes 2
Blake Tomblin 5 Sophia Anderson 2 Astrid Castrillon 2 Bruno Nuro 2 Jasmine Snell 2
Nelson Desmond 4 Ahmad Aqel 2 Nelly Cuba De Tabares 2 Damaras Obi 2 Jessica Specht 2 Nelly Cuba De Tabares Spencer Kozej Stephanie Prince Leon Joseph Crivelli Montana Hanson Asante Jackson
Anizabeth Parra Gonzalez 4 Karolyn Aranzazo Duin 2 Jessica Davis 2 Jessica Pastor 2 Brendan Suranyi 2 Hemerson Gonzalez Simon Arias Pappas-Romero Simon Arias AO S-S-Parks-Salvaggi
Marcus Pettigrew 4 Michael Battaglio 2 Valentina Diaz 2 Cindy Ramirez 2 Johan Tabares Gordillo 2 6 Recruits 6 Recruits 6 Recruits 5 Recruits 5 Recruits 5 Recruits
Yuri Ramirez Torres 4 Stephen Bowen 2 Draey Fogg 2 Noah Rawson 2 Tyler Tasa 2 BRONZE BRONZE BRONZE BRONZE BRONZE BRONZE
Jessica Santamarina 4 Kimbria Bracey 2 Asante Jackson 2 Tina Rheaume 2 Jeffrey Tillman 2
Julian Navalta 3 Keishaunbra Brent 2 Adam Johnson 2 Ronald Rodriguez Garcia 2 Daniel Umbertone 2
Maria Papilago 3 Andrew Brown 2 Ahmed Kassem 2 Stephanie Rogers 2

TOP RECRUITING AGENTS▼ YTD ■

TOTAL LEGACY RECRUITERS: 2,352 TOTAL LEGACY RECRUITS: 4,403

NAME # RECRUITS NAME # RECRUITS NAME # RECRUITS NAME # RECRUITS NAME # RECRUITS Jeffery May Ian Rouleau Johan Tabares Gordillo Paula Thompson Phillip Waisman
Astrid Castrillon 71 Blake Tomblin 10 Travis Carpenter 7 David Ramirez-Benitez 7 Nelson Desmond 6 S-S-Parks-Salvaggi Zach Hart Richardson Latino Division Ernest Powell Satti-Kanaan
Adam Wheeler 23 Alexis De Santi 9 Katherine Cogollo 7 Joshua Reyes 7 Hollie Ellers 6 5 Recruits 5 Recruits 5 Recruits 5 Recruits 5 Recruits
Ryan Fickert 21 Sherrie McCarty 9 Matthew Conrad 7 Tyler Sevilla 7 Derek Foore 6 BRONZE BRONZE BRONZE BRONZE BRONZE
Gregory Rudolph 20 Anizabeth Parra Gonzalez 9 Ethan Cooper 7 Melissa Sidoti 7 Yelineth Godoy Latuff 6
Jessica Kay 19 George Shafiek 9 Bethany Evans 7 Jeffrey Tillman 7 Aliya Johansen 6
Christina Shanno Baldwin 16 Mickey Adkins 8 Elijah Findley 7 Kendall Wilson 7 Jonathan Jones 6
David Carpenter 14 Tiffany Babin-Washington 8 Rosemery Gomez Castillo 7 Chilynn Acevedo 6 Paul Kelly 6
Nicholas Chuma 14 Erin Egyud 8 Daryl Graham 7 Susana Al Choufi Naim 6 Cody Langston 6
Alma Lozano 14 Mavrick Fredericks 8 Alexander Gross 7 Havis Alvarado 6 Judith Lopez 6
Carmen Pena Guedez 12 Channing Gardner 8 Jenna Grula 7 Samuel Artzis 6 Chase Miller 6
Kimbria Bracey 11 Marsei Hogan 8 Sierra Hartwig 7 Darrell Asbell 6 Noe Perez 6
Jhon Escauriza Contreras 11 Travis Kovach 8 Maria Hernandez 7 Mark Bernsdorff 6 Daniel Ramirez 6
Mario Hajro 11 Joe Lewo 8 Mitchell Jeremiah 7 Omar Billy 6 Rita Rider 6
Taulant Bane 10 Drake Smith 8 Johnny Ly 7 Dalton Cassavoy 6 Kacie Schwartfigure 6
Morgan Luptak 10 Ransey Vazquez 8 Jay Maska 7 Javier Castillo 6 Melinda Skinner 6
Beau Minnick 10 Felix Villasmil Briceno 8 Mac Massengill 7 Fernando Coiran 6 Sabrina Smith 6
Julian Navalta 10 Jose Aranguren 7 Michael McKiernan 7 Tommy Conard 6 Michelle Speciale 6
Arthur Thomas 10 London Burnett 7 Maria Montoya 7 Veronica Coval 6 Hugo Tigrera Gamboa 6

By Number of Legacy Recruits. Top Legacy Recruiting Agents listed have at least 2 Legacy Recruits.
Spotlight will picture the top 5 Legacy Recruiting Agents based on number of Legacy Recruits. Spotlight may picture more or less than 5 in case of a tie.
The number of YTD Legacy Recruits listed for Spotlight recognition may be different than the number of YTD Personal Recruits reported for Globe Life Achievement Award
eligibility due to the counts being calculated differently. *A Legacy Recruit is considered eligible (will count towards qualification levels) when he/she has submitted $2,000 Net ALP
12
2022 BONUS QUALIFICATIONS 13

The WORLD’S GREATEST BONUS is paid weekly and is based on MTD The quarterly MGA GROWTH BONUS offers incentives for both veteran and
Net ALP as of the end of the Run Code Week. A percentage bonus is paid on each rookie MGAs. For MGA Veterans (promoted prior to 2021), the MGA Growth Bonus
portion of the MTD Net ALP. The agent’s MTD Net ALP must increase over the is calculated on 2022 calendar quarter Net ALP growth over same quarter 2021.
prior highest MTD Net ALP achievement in the existing month to receive a bonus. Bonus eligibility requires a minimum benchmark of $60,000 Net ALP production
Agents must also have the required quality factor (retention or net-to-gross) to be same quarter 2021. For MGA Rookies (promoted 2021 or after), the bonus is
eligible for the bonus. Agents contracted more than twelve months can also receive calculated on growth over the previous calendar quarter Net ALP with a minimum
a bonus increase based on their retention rate. benchmark of $60,000 Net ALP production previous calendar quarter. Eligibility
requires completing four full calendar quarters as an MGA, with calendar quarters
For the REINSTATEMENT BONUS, Agents receive 25% of the annualized
2023 CONVENTION • MAY 3– 6 • THE GRAND AT MOON PALACE premium as a bonus on all life cases recoded to a different Agent on bank draft
starting Jan 1, Apr 1, Jul 1 and Oct 1. Net-to-gross/retention standards apply to
eligibility and bonus payout based on MGA tenure.
with all back premiums collected. Returned items and lapses will be allowed to
count as eligible cases. There is also a KEEPER BOOST where both veteran and rookie MGAs can earn
up to an additional 25% of the MGA Growth Bonus based on keeper growth if they
CAREER AGENTS GENERAL AGENTS REGIONAL GENERAL AGENTS To be eligible for the SA/GA DIRECT ASSOCIATE FIELD TRAINING BONUS,
the SA/GA must have the required number of direct new associates and/or keepers.
exceed their keeper benchmark.
Write $93,000 of Net ALP as of Write $93,000 of Personal Net ALP Write $300,000 in Agency Net ALP with
The bonus is calculated as a percentage of the total weekly World’s Greatest Bonus The quarterly RGA GROWTH BONUS is calculated as a percent of the total
December 31, 2022 AP&P Report. For as of December 31, 2022 AP&P Report 10% YTD growth over prior year as of
earned by new associates in their first 180 days under an SA or GA. The SA/GA MGA Growth Bonus received by MGAs within the RGA’s hierarchy. The percentage
Career Agents contracted less than one or write $205,000 of First Six Months December 31, 2022 YTD MGA/RGA
must have the required quality factor to be eligible for the bonus. SA/GA must paid is based on the number of hierarchy MGAs who receive an MGA growth bonus
year, the Net ALP will be prorated based Agent Production. We will Report. Or may qualify as an MGA with
have a combined total of $3,000 of personal Gross ALP in the prior month per that that quarter. Net-to-gross/retention standards apply to eligibility and bonus payout
on number of months contracted after allow any combination of Personal and his/her own MGA Agency production.
month’s AP&P report to be eligible for bonus in current month. Changes effective based on RGA tenure.
the sixth month. Personal Producers can First Six Months Agent Production
week ending February 2-3, 2022.
also qualify by writing $110,000 of Net
Annualized Premium as of December 31,
Net ALP that add up to the total
requirement. Qualifying GAs must also
STATE GENERAL AGENTS MILLION DOLLAR CLUB members receive a bonus of $5,000 and an award
Must have 15% growth over prior year as To be eligible for the SA/GA LEADERSHIP BONUS, the SA/GA must have if they produce $1 million of Net ALP (from 1999 forward). $5,000 bonus will be
2022 AP&P Report. have at least two active First Six Months
of December 31, 2022. the required number of associates and/or keepers. The bonus is calculated as a increased $5,000 for each additional qualification.
Agents as of December 31, 2022. GAs
percentage of the total weekly World’s Greatest Bonus earned by post-six-month
SUPERVISING AGENTS can qualify on a pro-rated basis if
contracted less than one year. MARKETING SPECIALISTS & direct associates under an SA/GA, and indirect associates under a GA. The SA/GA PR PLATINUM CLUB members of the PR Team receive a $5,000 bonus and
Write $93,000 of Personal Net ALP must have the required quality factor to be eligible for the bonus. SA/GA must have an award if they produce 250,000 leads. They also receive a $10,000 bonus and an
as of December 31, 2022 AP&P Report PR REPRESENTATIVES a combined total of $3,000 of personal Gross ALP in the prior calendar month per award for 500,000 leads. Lead accumulations from 2006 forward.
or write $155,000 of First Six Months MASTER GENERAL AGENTS Obtain 17,500 card credits or #1 in that month’s AP&P report to be eligible for bonus in current month.
Agent Production. We will Write $300,000 in Agency Net ALP Category (must meet 100% of Objective For FOUNDERS CLUB, personal producers must meet $13,000 Net ALP per
allow any combination of Personal and with 10% YTD growth over prior year with minimum of 10,000 Card Credits). To be eligible for the MGA LEADERSHIP BONUS, the MGA must have month for four consecutive months and 80% four month retention. Qualifiers
First Six Months Agent Production as of December 31, 2022 YTD MGA/ Rookie reps (reps with 1st, 2nd or 3rd Qtr the required number of direct or indirect associates and/or keepers. The bonus is must have eight full months tenure as an active producer. PR Reps and Marketing
Net ALP that add up to the total RGA Report. We will allow Personal Net 2021 hire date) must obtain 13,000 card calculated as a percentage of the total weekly World’s Greatest Bonus earned by Specialists must reach 1,500 lead cards per month for four consecutive months.
requirement. Qualifying SAs must also ALP to count toward Agency total. Or credits. Icebreaker (reps with 4th Qtr 2021 direct and indirect associates under an MGA. The MGA First Time qualifiers receive a $500 bonus and Founder’s Club ring. Subsequent
have at least one active First Six Months write $93,000 of Personal Net ALP as through 2022 hire date) must obtain 6,500 must have the required quality factor to be eligible for the bonus; must qualifications will receive $500 and a diamond added to their Founder’s Club Ring or
Agent as of December 31, 2022. SAs can of December 31, 2022 AP&P report. card credits. Qualification is based on have three or more new associates in the previous calendar month and a Founder’s Club Ring for their Spouse. Current year qualifiers also have the privilege
qualify on a pro-rated basis if contracted MGAs can qualify on a pro-rated basis if cards generated in 2022. Original (ORIs must promote one person to MGA every 12 months under his/her regular MGA to arrive one day early for the 2023 convention.
less than one year. contracted less than one year. and ADIs) will count as double credit. hierarchy to maintain the full bonus.
For PRESIDENTS CLUB, personal producers must meet the minimum production
The RGA BONUS is based on the Weekly Leadership Bonus earned by each of $200,000 of Net ALP in the calendar year, with 81% four-month retention as of
MGA coded under the RGA. Based on the number of MGAs coded under an RGA, December 31, 2022. Qualifiers must have eight full months tenure as active producers.
NOTES: The Net-to-Gross and retention rates as shown on the qualifier’s December 31, 2022 AP&P report will be used in determining qualification:
through the 12th month, 80% net to gross; 12+ months, 74% retention rate. All levels must meet appropriate Retention or Net to Gross requirements the RGA is eligible for a weekly bonus equal to a percentage of the Leadership PR Reps must generate 22,500 lead cards in a calendar year to qualify for President’s
to qualify. Year-To-Date award winners must also have 80% Net-to-Gross (from AP&P report) or a 74% retention rate to be eligible for recognition. Bonus earned by the MGA. The RGA must have the required quality factor to be Club. The Marketing Specialist who generates the most lead cards in 2022 is also
eligible for the bonus and must promote one person to MGA every 12 months eligible. The Marketing Specialist must otherwise qualify for Convention to receive
Qualifying for Convention entitles one to attend only if he or she is an active American Incomer or National Incomer at the time Convention is
held. Qualifiers are not eligible for monetary compensation in lieu of the trip. No substitutions or transfers are permitted. Phone add-ons (WP under his/her personal MGA hierarchy to maintain the full bonus. RGAs are eligible awards. First time qualifiers will receive a President’s Club ring or pendant and a
or ADB) do not count toward convention qualification. Individuals on Red Watch cannot qualify for Convention. Expenditures for the Qualifier for the bonus for as long as they continue to manage the MGA. $1,500 bonus. Subsequent qualifications will receive a diamond added to their ring (or
and the spouse/guest will be included in the qualifier’s taxable income for the year. Qualifying Marketing Specialists will be required to have pendant) or a President’s Club ring (or pendant) for spouse. The $1,500 bonus will be
appropriate taxes deducted from payroll.
increased $200 for each consecutive qualification. Qualifiers also have the privilege to
NOTE: An associate is defined as a new agent who submits at arrive one day early to Convention.
least $1 Gross ALP. A keeper is defined as a new associate within
their 2nd-4th contract month with a minimum of $5,000 Gross ALP.

VIEW FULL QUALIFICATIONS ONLINE: ailife.com/arc/spotlight.aspx & nilife.com/arc/spotlight.aspx VIEW FULL QUALIFICATIONS ONLINE: ailife.com/arc/spotlight.aspx & nilife.com/arc/spotlight.aspx
 The BUSINESS
14
ATHLETE
HOW JACK NICKLAUS EVOLVED FROM THE GOLDEN BEAR TO THE GOAT
A
S A YOUNG GOLFER, JACK NICKLAUS
had a not-so-endearing nickname
“Fat Jack” given to him by the media
and Arnold Palmer fans. As Jack’s great-
ness on the course grew, so did his fan
base. While on a trip with his wife Barbara,
the couple came across newspapers with
the headline saying, “Golden Bear from
U.S. to Arrive Today.” Nicklaus had been
seeking a brand, and without hesitation
exclaimed, “That’s it” and a legend was born.
Coincidentally, Jack’s high school was nick-
named the Upper Arlington Golden Bears,
so it all made sense.
Jack’s credentials are unmatched on
the course: 73 tournaments won, 18 Major
Championships (most in history), and
runner-up in 19 Majors. Although he was
one of the most competitive golfers of all
time, Jack’s sportsmanship was the greatest
of any champion.
I find inspiration and correlations
between Jack’s world and ours. Jack’s road to
success can be summed up in his own words.
“THE WORSE YOU’RE PERFORMING, THE
MORE YOU MUST WORK MENTALLY AND EMO-
TIONALLY. THE GREATEST AND TOUGHEST ART
IN GOLF IS ‘PLAYING BADLY WELL.’ ALL THE
TRUE GREATS HAVE BEEN MASTERS AT IT.”
We all have bad days. Jack says that
in many of his victories, he played
poorly in three rounds, but kept
himself in contention so he
This concludes our Business Athlete series.
We hope you enjoyed it and sincerely
thank all who took the time to share
their thoughts.
Orby Kelley
MGA – SS-Bendure-Hartwig
could win when all the chips were on the
line. “Playing badly well” is no easy task and
it’s something we can all learn from.
“FOCUS ON REMEDIES, NOT FAULTS.”We
routinely face some type of adversity
whether it be a no-show, deal held, or reten-
tion challenges. Bottom line, if you last long
enough, you’ll see it all. Jack maintained a
solutions focus and it’s that can-do attitude
that separates winners from the rest.
“RESOLVE NEVER TO QUIT, NEVER TO GIVE
UP, NO MATTER WHAT THE SITUATION.”
If you keep grinding, you will outlast
your competition and in many circum-
stances, the competition is from within.
Maintaining your competitive spirit and
focusing on the task at hand will garner out-
standing results over and over again.
“CONFIDENCE IS THE MOST IMPORTANT
SINGLE FACTOR IN THIS GAME, AND NO
MATTER HOW GREAT YOUR NATURAL TALENT,
THERE IS ONLY ONE WAY TO OBTAIN AND
SUSTAIN IT: WORK.”
Hard work beats talent when talent doesn’t
work hard. Having the combination of talent
15
and a relentless work ethic allows your confidence to
build and confidence leads to sustained success.
“SUCCESS DEPENDS ALMOST ENTIRELY ON HOW
EFFECTIVELY YOU LEARN TO MANAGE THE GAME’S
TWO ULTIMATE ADVERSARIES: THE COURSE
AND YOURSELF.”
Your ultimate success depends on how
you navigate life’s events and how you
respond to them. Being self-aware and
in tune with your surroundings are
learned traits allowing you to over-
come all ,challengers, including the
one in the mirror.
Jack and Barbara have teamed
up with the PGA Tour, Children’s
Miracle Network Hospitals and
spend much of their time on their
“Play Yellow” initiative, a charity
in support of pediatric cancer
research. Now Jack encourages
others to support the cause by
wearing yellow. As a volunteer at
Jack’s PGA Memorial Tournament,
I’ve joined a dedicated group of
volunteers, helping the tourna-
ment to donate more than $3
million to the charity annually. Play
Yellow has donated more than $100
million to pediatric cancer research
in the past 16 years.
Jack Nicklaus has a legacy as
a tremendous individual, family
man, sports hero, competitor, and a
charitable giver. He is a true example
of how one can evolve and become
the Greatest Of All Time.
16 17

CURRENT CONTEST
6-MONTH CONTEST LEADERS
State General Agents as of Nov EOM General Agents as of 12/22/21 Rookie Producers as of 12/22/21
Contest-to-date Contest-to-date Contest-to-date Contest-to-date Contest-to-date
Rank Name Category Production % of Baseline Prod % of New Assoc Obj Rank Name SGA Production Rank Name SGA Production Public Relations as of Nov EOM
Category #
1 Dustin Venekamp 1 $2,463,289 88.2% 30.8% #
1 Jose Aranguren Richardson Latino Division $362,591 #
1 Firat Ucar Dustin Venekamp $211,766
TOP 5 PR REPRESENTATIVES
1 #
2 Simon Arias 1 $4,448,290 56.8% 72.5% #
2 Kimbria Bracey Ernest Powell $101,593 #
2 Marshall Fernandez AO $197,348
Contest-to-date Contest-to-date
#
3 Giglione-Ackerman 1 $1,564,459 56.5% 65.3% #
3 Danny Souri Sabrina Lloyd $92,027 #
3 Damaris Trejo Sabrina Lloyd $169,842 Rank Name % of Obj % of ORI
2 #
1 Zach Hart 2 $943,805 63.0% 70.2% #
4 Havis Alvarado Hemerson Gonzalez $77,824 #
4 Josh Spence AO $154,730 #
1 Maria Siero 235.84% 64.40%
#
2 Sabrina Lloyd 2 $2,142,515 55.2% 47.5% #
5 Jozef Tinaj AO $60,759 #
5 Connor O'Donnell S-S-Parks-Salvaggi $146,109 #
2 Michael Palermo 189.38% 28.17%
#
3 Brett Gryska 2 $1,464,591 49.8% 55.9% #
6 Carrington Hanna AO $138,582 #
3 Noel Robbins 189.16% 23.18%
3–4 #
1 Jamison Weatherspoon 3 $883,798 60.8% 63.4% #
7 Ervin Metaj Dustin Venekamp $133,574 #
4 Kelly Penick (Walker) 184.82% 42.28%
#
2 Cindy Furer 4 $611,525 57.2% 37.7% #
8 Ashley Mysza Tommy Vena $120,503 #
5 Donna LaMontagna 173.14% 30.42%
#
3 Satti-Kanaan 3 $934,612 56.5% 47.4% #
9 Christina Salvatore AO $104,295
5–12 #
1 Adel Adel Al Choufi Naim 12 $119,442 135.3% 100.0% Supervising Agents as of 12/22/21 #
10 Nikolla Lulgjuraj AO $99,936
PR REPRESENTATIVES WITH 100% OBJ
#
1 Patrick Duray 256.04% 0.04%
#
2 Robert Hughes 12 $20,190 127.1% 46.7% Contest-to-date #
11 Abraham Mogilevsky Jamison Weatherspoon $94,410
Rank Name SGA Production
#
2 Cindy Kunce 217.96% 1.49%
#
3 Andre McCallum 7 $286,141 71.5% 12.5% #
12 Ladan Rahbary AO $89,076 #
3 Steve Orcherton 215.11% 0.00%
#
4 John Sparby 12 $60,385 68.6% 23.8%
#
1 Luis Barbaresco Garcia Richardson Latino Division $142,382 #
13 Jennifer O'Donnell Dustin Venekamp $88,389 #
4 Brenda Wadey 186.40% 2.47%
#
5 Kanaan-Hamilton 12 $60,664 68.1% 108.3%
#
2 Edgar Velasquez Romero Richardson Latino Division $120,753 #
14 Ahmad Aqel Dustin Venekamp $86,571 #
5 Chas Robinson 183.85% 2.05%
#
6 Tommy Vena 10 $607,578 67.6% 92.6%
#
3 Johan Tabares Gordillo Richardson Latino Division $60,769 #
15 Bruno Nuro Dustin Venekamp $85,745 #
6 Tim O'Connor 178.30% 3.65%
#
7 Pappas-Romero 12 $82,467 61.9% 53.3%
#
4 Sean Taylor Henderson-Locker $54,934 #
16 Alex Jankowski Simon Arias $74,957 #
7 Patrena Smith 161.18% 8.36%
#
8 Kevin Holtz 8 $450,220 60.9% 94.1%
#
5 Diana Navarro Jesus Romero $42,021 #
17 Erald Tomorri AO $73,722 #
8 Lori Vaughn 159.74% 32.27%
#
9 Capozucca-H-W 12 $171,023 59.3% 108.3% #
18 Rebecca Amundson Simon Arias $72,210 #
9 Mark Flemm 148.48% 9.20%
#
10 Michael Ezeafulukwe 12 $48,873 58.4% 66.7%
#
19 Austin Ewing AO $71,252 #
10 Anna Rohrer 145.94% 48.34%
#
20 Joshua Elkins S-S-Bendure-Hartwig $69,080 #
11 Laurie Gruber 139.89% 1.18%
Regional General Agents as of Nov EOM Veteran Producers as of 12/22/21 #
21 Alejandra Ramos Hemerson Gonzalez $63,867 #
12 Pam Monetti 134.38% 1.08%
#
22 Herlin Celicourt Tom Williams $63,188 #
13 Larry Lozano 132.86% 40.85%
Contest-to-date Contest-to-date Contest-to-date
Rank Name Category SGA Production % of Baseline Prod Rank Name SGA Production
#
23 Dillon Zartman S-S-Bendure-Hartwig $63,081 #
14 George Farenthold 129.44% 1.27%
Category #
1 Mark Neilson 1 AO $2,233,649 56% #
1 Daniel Paravisini AO $321,875
#
24 Sara Hart AO $62,946 #
15 Lisa West 127.27% 24.86%
#
25 Agnieszka Kusper Sabrina Lloyd $61,081 #
16 Jessica Christersson 123.71% 19.38%
1 #
2 Ryan Fickert 1 Zach Hart $502,929 54% #
2 Oleg Novitchii S-S-Parks-Salvaggi $205,786
#
3 Corey Helly 1 Giglione-Ackerman $1,665,012 51% #
3 Carmen Arroyo Theodore Pappas $175,805
#
17 William Rol 122.23% 2.29%
All #
1 Eno Iftiu AO $250,000 283% #
4 Trevor Bailey Satti-Kanaan $171,687
#
18 Krissa Hensley 118.62% 17.72%
#
2 Arif Hajro AO $250,000 242% #
5 Duni Olusegun Phillip Waisman $162,911
#
19 Hector Cortez 113.52% 0.40%
6 Joseph Tomanovich AO $156,082
#
20 Carmella Swanson 110.24% 8.09%
VPs as of Nov EOM
#
#
3 Melinda-Rae Lyse AO $250,000 129%
#
7 Joshua Dishong S-S-Bendure-Hartwig $151,385
#
21 Cas Robinson 109.04% 10.35%
#
4 Carlo Buhay AO $272,250 101%
#
8 Jillian Getz AO $142,145 Contest-to-date Contest-to-date Contest-to-date #
22 Julie Freeman 108.31% 24.17%
#
5 Jessica Chang AO $346,278 97% Rank Name Production % of Baseline Prod % of New Assoc Obj
#
9 Arturo Romero S-S-Parks-Salvaggi $112,254
#
23 Ryan Gregoli 108.00% 0.00%
#
6 Darrell Asbell AO $250,000 96% #
1 Scott Dehning $4,582,093 49.3% 73.8%
#
10 Lily Sakai Cohen-Velasquez $110,105
#
24 Tony Anderson 100.71% 11.46%
#
7 David Carpenter Dustin Venekamp $1,681,155 89% #
2 Fred Hadayia $5,995,876 49.2% 59.6%
#
11 Alipate Makaui Steve Friedlander $108,515 TOP PR MANAGERS
#
8 Rielly Maher AO $250,000 84% Contest-to-date Contest-to-date
#
12 Roger Fung Mathew Hart $106,681
#
9 Robert Jackson Arias-Dlabik $250,000 80% Rank Name % of Obj % of Growth
#
13 Klaudio Martinaj AO $101,542
#
10 Michael McKiernan Dustin Venekamp $411,534 79% 1 Lacy Martin
#
121.27% 11.07%
#
14 Alon Barnur AO $98,066
2 Judy Spade
#
107.13% 15.08%
#
15 Joseph Sarasin S-S-Bendure-Hartwig $96,679
Master General Agents as of Nov EOM #
16 Todd Krupa AO $94,510 Directors as of Nov EOM
Contest-to-date Contest-to-date #
17 Aref Sayegh Satti-Kanaan $94,217 Contest-to-date Contest-to-date Contest-to-date
Rank Name Category SGA Production % of Baseline Prod #
18 Dina Boghdady AO $93,667 Rank Name Production % of Baseline Prod % of New Assoc Obj
Category #
1 Mark Neilson 1 AO $324,500 77% #
19 Ashley Rust AO $92,745
#
1 John Ophals $2,347,240 58.1% 63.90%
1 #
2 Paul Smith 1 Zach Hart $250,000 67% #
20 Kevin Ishikane AO $90,881
#
2 Diego Arango $901,528 54.6% 71.72%
#
3 Zach Otto 1 Sabrina Lloyd $981,912 52% #
21 Michael van Delft Satti-Kanaan $90,700
#
3 Brian Gilmore $1,422,689 51.4% 77.33%
All #
1 Jessica Chang AO $316,695 107% #
22 Jenny Kim AO $77,133
#
4 Brian Wilson $1,265,595 51.2% 35.04%
#
2 Helgi Bistochett Navarro Richardson Latino Division $387,007 103% #
23 Tennison Mather AO $76,849
#
5 David Guzman $1,270,640 46.7% 36.75%
#
3 Carlo Buhay AO $272,250 101% #
24 Joey Kennedy AO $73,922
25 Kristi Basho AO $71,492 The contest period is business or cards
#
4 David Carpenter Dustin Venekamp $1,249,839 95% #
received and processed by Home Office
#
5 Rielly Maher AO $250,000 84%
between October 1, 2021 and March 31, 2022.
#
6 Michael McKiernan Dustin Venekamp $407,757 80%
#
7 Mark Neilson AO $324,500 77% For complete qualifications, rules, and how
#
8 Alon Barnur AO $250,000 71% drawing entries are accrued, refer to the ARC:
#
9 Joseph Tomanovich AO $439,269 71% ARC.AILife.com/default.aspx & ARC.NILife.com/default.aspx
#
10 Paul Smith Zach Hart $250,000 67%
 VIBRA LATINA
18
La contratación de
hispanohablantes
requiere la aceptación
de modificaciones
Nos acercamos a un nuevo año, y AIL continúa evolucionando
dramáticamente. Más del 13% de los estadounidenses son
hispanohablantes. Estados Unidos es actualmente el segundo
país con más hispanohablantes, solo por detrás de México
y por delante de España. Para 2050, se espera que Estados
Unidos supere a México por ese título, convirtiéndose en el
país con más hispanohablantes en el mundo.
A medida que la comunidad hispana crece, la demanda
de los mejores agentes bilingües o hispanohablantes
seguramente crecerá con ella. ¿Cómo puede usted
mantenerse competitivo a la hora de atraer y
reclutar hispanohablantes?
Si usted no es hispano o usted mismo no habla español,
reclutar y contratar agentes bilingües o hispanohablantes
puede parecer intimidante. ¿Dónde podemos encontrar
agentes de habla hispana? ¿Y cómo evaluamos que hablen
español al nivel que requerimos?
Contratar a los mejores es como vender nuestros productos.
Como empresa, necesitamos definir y analizar nuestro
mercado objetivo y asegurarnos de que AIL sea atractivo.
Si bien no todos los hispanohablantes son hispanos, y no
todos los hispanos hablan español, la comunidad hispana
tiene la mayor concentración de hispanohablantes.
Centrarse en esta comunidad producirá la mayoría de los
candidatos de habla hispana.
Al reclutar y contratar dentro de la comunidad hispana, es
importante recordar:
• La familia y la comunidad están en el centro
de la cultura hispana
• Los hispanos que buscan empleo dependen
significativamente de sus conocidos:
familiares, amigos y colegas.
• Los solicitantes de empleo hispanos prefieren las
interacciones personales a los procesos impersonales
• La comunidad hispana es diversa en términos de país
de origen, duración del tiempo en los Estados Unidos,
número de generaciones en los Estados Unidos, nivel
de educación y distribución geográfica.
• El dominio de habla hispana varía, incluso entre
los hablantes nativos
Si queremos expandir nuestro reclutamiento latino,
debemos estar más abiertos a este mercado y entender
la cultura. Además, para ganar confianza y hacer que
los hispanohablantes sientan que estamos TODOS
DE ACUERDO con la expansión latina en 2022,
necesitamos facilitar el proceso y proporcionar las
herramientas para hacer que AIL sea atractivo para los
hispanohablantes y aumentar nuestra reputación en este
importante mercado.
Vemos una tremenda oportunidad en el mercado
Latino. AIL/NILICO busca MGAs y GAs Latinos
que deseen seguir la Trayectoria profesional de
SGA. Si usted está interesado, hable con su
SGA, después envíe un correo electrónico a
futuresga@ailife.com
Hiring Spanish Speakers
Requires Acceptance
of Modifications
We are approaching a new year, and AIL continues to evolve
dramatically. More than 13% of Americans are Spanish
speakers. The United States currently has the second-
most Spanish speakers, behind only Mexico and ahead of
Spain. By 2050, the U.S. is expected to beat Mexico out
for that title, becoming the country with the most Spanish
speakers in the world.
As the Hispanic community grows, demand for top
bilingual or Spanish-speaking agents is sure to grow with
it. How can you stay competitive when attracting and
recruiting Spanish speakers?
If you aren’t Hispanic or don’t speak Spanish yourself,
recruiting and hiring bilingual or Spanish-speaking agents
may seem intimidating. Where do we find Spanish-speaking
agents and how do we evaluate that they speak Spanish at
the level we require?
Hiring top performers is like selling our products. We need
to define and analyze our target market and ensure AIL is
attractive as a company. While not all Spanish speakers are
Hispanic, and not all Hispanic people speak Spanish, the
Hispanic community has the largest concentration of Spanish
speakers. Focusing on this community will produce the most
Spanish-speaking candidates.
Byron A. Paz
LATIN LEADER OF THE MONTH
• Nació y creció en la Ciudad de Guatemala
• Emigró a Toronto, Canadá, en febrero de 2000 a los 17 años
• Se graduó de la escuela secundaria en 2001 y quería seguir la carrera de
Ingeniería Aeroespacial, pero no pudo debido a que se le consideraba un
estudiante internacional
• Comenzó un trabajo laboral pero lo dejó en un año en busca de un futuro mejor
• Fue reclutado por AIL en febrero de 2003
• Se convirtió en SGA en diciembre de 2013
• Ganador de la categoría de agencias (Rookie) en 2014 y recibió honores en el
escenario en la convención de San Diego
• Ganador en la categoría VII en 2017 y recibió honores en el escenario en la
convención de Orlando
• Fue nombrado miembro del Consejo Ejecutivo de AIL por Steve Greer y David
Zophin en 2018
19
By Angel Martinez
Regional Sales Director
When recruiting and hiring within the Hispanic community,
it’s important to remember:
• Family and community are at the
center of Hispanic culture
• Hispanic job seekers depend significantly on their
acquaintances — family, friends, and colleagues
• Hispanic job seekers prefer personal interactions to
impersonal processes
• The Hispanic community is diverse in terms of
country of origin, length of time in the U.S., number
of generations in the U.S., education level, and
geographic distribution
• Spanish-speaking proficiency varies, even
among native speakers
If we want to expand our Latin recruiting, we must be
more open to this market and understand the culture. To
gain trust and make Spanish speakers feel that we are ALL
IN with the Latin expansion in 2022, we need to facilitate
the process and provide the tools to make AIL attractive
to Spanish speakers. This will increase our reputation in
this important market.
We see tremendous opportunity in the Latino
market. AIL/NILICO is looking for Latino MGAs
and GAs who want to pursue the SGA Career
track. If you are interested, speak to your SGA,
then send an email to futuresga@AILife.com
• Born and raised in Guatemala City
• Emigrated to Toronto, Canada, in February of 2000 at age 17
• Graduated High School in 2001 and wanted to pursue Aerospace
Engineering but was not able to due to being considered an
International Student
• Started a labor job but left it in a year in search of a better future
• Was recruited by AIL in February of 2003
• Became SGA in December of 2013
• Won the Rookie start-up category in 2014 and went on stage at the
San Diego convention
• Won category VII category in 2017 and went on stage at the
Orlando convention
• Was appointed to the AIL Executive Council by Steve Greer and
David Zophin in 2018
20
VIBRA LATINA 21

TOP LATINO MARKET VETERAN INDIVIDUAL PRODUCERS: NOVEMBER TOP LATINO MARKET VETERAN INDIVIDUAL PRODUCERS: YTD
VETERAN PRODUCER ROOKIE PRODUCER Rank Net ALP NTG RET MGA SGA Rank Net ALP NTG RET MGA SGA
1 Diego Vargas $15,124 88.7 Daniel Pacheco Beto Quintero 1 Dana Martin Gonzalez $134,809 96.4 Beto Quintero
2 Dana Martin Gonzalez $12,818 96.4 Beto Quintero 2 Diego Vargas $97,537 88.7 Daniel Pacheco Beto Quintero
3 Victor Romero $11,518 81.1 Doris Martinez Garcia Beto Quintero 3 Leonardo Alsina $77,001 76.7 Sergio Carta Beto Quintero
4 Sergio Carta $9,056 100.0 Sergio Carta Beto Quintero 4 Victor Romero $68,086 81.1 Doris Martinez Garcia Beto Quintero
5 Leonardo Alsina $8,916 76.7 Sergio Carta Beto Quintero 5 Amanda Urdaneta $64,210 89.5 Alfredo Garcia Beto Quintero

1 1
TOP LATINO MARKET ROOKIE INDIVIDUAL PRODUCERS: NOVEMBER TOP LATINO MARKET ROOKIE INDIVIDUAL PRODUCERS: YTD
DIEGO VARGAS KATHERINNE ALFONZO ZERPA
MIAMI, FL RICHARDSON, TX Rank Net ALP NTG RET MGA SGA Rank Net ALP NTG RET MGA SGA
1 Katherinne Alfonzo Zerpa $30,798 100 Helgi Bistochett Navarro Richardson Latino Division 1 Nancy Djendji $200,040 100.0 Nafic Djendji Abdel Khalek Jesus Romero
2 Frank Ramirez Orsetty $25,916 100 Helgi Bistochett Navarro Richardson Latino Division 2 Epifania Segovia Barreto $170,676 100 Jean Romero Capote Jesus Romero
3 Amindel Reyes $23,528 97 Norvi Belisario San Antonio Latino Division 3 Hernan Rodriguez Becerra $160,960 94.5 Maria Elisa Moros Ojeda Jesus Romero
SA GA 4 Eduardo Rivas $23,410 100 Yania Tineo Soto Richardson Latino Division 4 Karem Cogollo $147,838 91.1 Adalberto Paz San Antonio Latino Division
5 Hernan Rodriguez Becerra $21,771 94.5 Maria Elisa Moros Ojeda Jesus Romero 5 Noris Dominguez Ramirez $139,243 88.2 Nafic Djendji Abdel Khalek Jesus Romero

TOP LATINO MARKET SUPERVISING AGENTS: NOVEMBER TOP LATINO MARKET SUPERVISING AGENTS: YTD
Rank 1st 6 Mo Agt Net ALP NTG RET MGA SGA Rank 1st 6 Mo Agt Net ALP NTG RET MGA SGA
1 Edgar Velasquez Romero $155,111 $166,154 100 Helgi Bistochett Navarro Richardson Latino Division 1 Edgar Velasquez Romero $297,260 $319,063 100 Helgi Bistochett Navarro Richardson Latino Division
1 1 2 Luis Barbaresco Garcia $116,991 $122,983 100 Yania Tineo Soto Richardson Latino Division 2 Luis Barbaresco Garcia $235,552 $271,512 100 Yania Tineo Soto Richardson Latino Division
3 Johan Tabares Gordillo $76,761 $76,761 100 Helgi Bistochett Navarro Richardson Latino Division 3 Juan Guzman Aular $219,253 $292,731 99 Jesus Romero
EDGAR VELASQUEZ ROMERO JOSE ARANGUREN
RICHARDSON, TX RICHARDSON, TX 4 Carlos Frias Caraballo $73,653 $85,536 100 Yania Tineo Soto Richardson Latino Division 4 Nesmar Vielma $162,722 $222,503 92 Solgeis Cardozo Mijares Hemerson Gonzalez
5 Diana Navarro $28,582 $34,339 96 Luis Velasquez Jesus Romero 5 Nancy Djendji $147,324 $260,345 97 Nafic Djendji Abdel Khalek Jesus Romero

ROOKIE MGA RGA TOP LATINO MARKET GENERAL AGENTS: NOVEMBER TOP LATINO MARKET GENERAL AGENTS: YTD
Rank 1st 6 Mo Agt Net ALP NTG RET MGA SGA Rank 1st 6 Mo Agt Net ALP NTG RET MGA SGA
1 Jose Aranguren $208,877 $218,768 100 Yania Tineo Soto Richardson Latino Division 1 Taleb Jammoul Hajali $482,627 $1,072,762 92 Beto Quintero
2 Taleb Jammoul Hajali $39,575 $110,765 92 Beto Quintero 2 Lubraska Iguaro $482,570 $571,471 85.3 Luis Velasquez Jesus Romero
3 Ileana Tineo $37,901 $39,163 100 Axel Carrasquel Fort Worth Latino Division 3 Elmar Salas Velasco $370,041 $617,436 80.4 Tahis Quintero Bonilla Jesus Romero
4 Alejandra Ramos $35,794 $100,220 94 Adianeza Rodriguez Hemerson Gonzalez 4 Jose Aranguren $320,163 $364,801 100 Yania Tineo Soto Richardson Latino Division
5 Luis Osorio Bello $35,333 $37,997 97 Jorge Caridad Fort Worth Latino Division 5 Morella Parejo $298,185 $409,760 92.5 Luis Velasquez Jesus Romero
1 1
ASTRID CASTRILLON
DALLAS, TX
ALEXIS NARANJO
HOUSTON, TX TOP LATINO MARKET ROOKIE MASTER GENERAL AGENTS: NOVEMBER TOP LATINO MARKET ROOKIE MASTER GENERAL AGENTS: YTD
Rank Growth % Net ALP Bench NTG RET SGA Rank Growth % Net ALP NTG RET SGA
1 Astrid Castrillon 298.0% $96,110 $32,250 73.4 Hemerson Gonzalez 1 Jean Romero Capote 291.9% $1,035,395 $354,750 81.1 Jesus Romero
2 Rafael Medina 171.2% $55,200 $32,250 74.5 Pappas-Romero 2 Rafael Medina 247.1% $876,453 $354,750 74.5 Pappas-Romero
3 Axel Carrasquel 141.6% $45,667 $32,250 97 Fort Worth Latino Division 3 Luis Velasquez 210.6% $746,998 $354,750 90.5 Jesus Romero

TOP LATINO MARKET REGIONAL GENERAL AGENTS: NOVEMBER TOP LATINO MARKET REGIONAL GENERAL AGENTS: YTD
Rank Growth % Net ALP Bench NTG RET SGA Rank Growth % Net ALP Bench NTG RET SGA
1 Alexis Naranjo 638.4% $78,136 $10,582 81.3 Jesus Romero 1 Alexis Naranjo 478.5% $1,368,203 $236,500 81.3 Jesus Romero
2 Susana Al Choufi Naim 150.7% $608,137 $242,577 77.8 Hemerson Gonzalez
3 Tahis Quintero Bonilla 83.3% $4,250,179 $2,319,066 76.8 Jesus Romero
 ANNOUNCING THE
AIL-NILICO 2022
22 23

MARCH MARCH MADNESS

$50K CHALLENGE
DO YOU HAVE
MADNESS
2022 FOR PERSONAL
PRODUCTION WHAT IT TAKES
TO REACH THE
We’re doubling the action in 2022 as we award a total
of $100K divided between the Rookie Producers
category and the Veteran Producers category!

HOW TO QUALIFY
The Top 256 Rookie Personal Producers (coded 1/8/2021 and
after) and the Top 256 Veteran Personal Producers (coded on or
prior to 1/8/2021) for the month of January 2022 will determine
eligibility for each category.
• Final numbers determined EOM based on January 2022
AP&Ps (status updates weekly).
awarded a cash prize.
PRIZES
• The top two (2) finishing producers in each bracket will be

• The four (4) 1st place winners will also receive a March
Madness Trophy.
Pinnacle Level?
• Adjustments will be made for any applications written prior • Top 5 overall producers in the Runners Up challenge in each
to 12/31/21 and ADB/WP. of the four (4) brackets will also receive cash prizes:
• Must meet minimum quality standards to qualify. Cash Prizes — $50K as shown below for each category reflect on these extraordinary people, we enjoy the recognition, incentives, and growth
(total of $100K) Michael have searched for similarities; as the old say- that come with it.
CONTEST PERIOD
Six weeks — First round starts with advance cutoffs 3/2 and 3/3 BRACKET 1 BRACKET 2 BRACKET 3 BRACKET 4
LiBassi ing “Success leaves clues” reminds us. One
theme kept recurring over and over and over
If you commit to begin your journey with
American Income and National Income to
Division Senior Vice President
Final round ends with advance cutoffs 4/6 and 4/7 1 Place
st
$7,000 $5,000 $3,500 $2,500 again: Level 5 leaders not only developed grow as a leader and work to become part of
Winners
American Income Life &
other leaders but also recruited them. Many the top 1% of leaders, it’s important that we
2nd Place $3,500 $2,500 $1,800 $1,300 National Income Life Divisions
Level 5 Leaders earned this honor by person- find ways to make you feel appreciated. The
THE CONTEST 1 Place
st
$3,000 $2,000 $1,500 $1,000 ally recruiting more than one superstar into Pinnacle Club is designed to do just that. Each
The Top 256 personal producers for each category will be 2nd Place $2,500 $1,500 $1,250 $ 750 the company. An example of this is the late level you achieve will bring awards that allow

broken into four brackets of 64 each:
1ST BRACKET = Producers 1–64
2ND BRACKET = Producers 65–128
3RD BRACKET = Producers 129–192
4TH BRACKET = Producers 193–256
• In each of the four brackets, the 1st place producer will be
paired against the 64th, the 2nd place will be paired against the
63rd, and so forth until all 64 are paired for the first round.
• Brackets will be announced before the contest commences so
all participants can know who they will be playing next.
• The winner of each weekly matchup (as of advance cutoffs for
that week) will continue on in their respective bracket. Each of
the losers will continue to compete in the Runners-up Challenge
for each of the four brackets for the remaining 5 weeks.
• Winners will be determined by the overall production
accumulated over the entire six-week contest period and
meeting quality standards (RTN/NTG).
I
Runners
Up
3rd Place $2,000 $1,000 $ 750 $ 500 n his bestselling book, 5 Levels of and great Durhon Oldham, who personally you to display your achievements with plaques
4th Place $1,500 $ 750 $ 500 $ 350 Leadership, author John Maxwell outlines recruited his cousin and current CEO Steve and lapel pins, and you can select rewards
5th Place $1,000 $ 500 $ 300 $ 250 five different levels of leadership and how Greer into our business. from the hottest trends in fashion, technology,
to reach the top. The top or Level 5 is known As we designed our brand new personal and travel. As you would imagine, as you ele-
as the Pinnacle Level, the level when a leader recruiting club to recognize and incentivize vate through the different levels, the value of
becomes someone who can develop more our top personal recruiters in the compa- the rewards increases with some very exciting
leaders. Level 5 Leaders have respect from ny, it only made sense to name the club options at the top! In addition to the awards
everyone in the organization, and people fol- “Pinnacle” because excelling at personal and rewards, since you are a “member” of the
low them because of who they are and what recruiting and becoming a Level 5 Leader club, we want to provide you with an assort-
they represent. Leaders at this level create are synonymous. Similar to the 5 Levels of ment of different member benefits that you
Get your explosive growth in their organization and Leadership in which new leaders will need will be able to enjoy at company events.
game face on! create a legacy from their results. The author to progress through each level, we set up We look forward to introducing you to
How you perform in January estimates that only 1% of leaders will reach six levels of the Pinnacle Club. We wanted all the details of the Pinnacle Recruiting
determines whether you qualify this level in their lifetime. to give our new associates and new leaders Club in 2022 and, more importantly, we look
At American Income Life and National the opportunity to join the ranks of the forward to watching you advance through
to participate in this contest.
Income Life, we are blessed to have many Pinnacle Club quickly so they could begin the levels of achievement as you grow as a
Get ready to blast into 2022 for
Level 5 Leaders in our organization. As we to progress through the different levels, and leader in our company!
a chance to win cash, trophies,
and bragging rights!
24 COMING IN 2022 25
Bronze Silver Gold Platinum Diamond Pinnacle
2 RECRUITS 5 RECRUITS 10 RECRUITS 15 RECRUITS 25 RECRUITS 50 RECRUITS

BONUS
Potential $500 – $1,250 – $2,500 – $3,750 – $6,250 – $12,500 –
Earnings $1,500   5 $3,750 5 $7,500 5 $11,250 5 $18,750 57 $37,500 56

Gift
Swag Silver Gold Platinum Diamond Pinnacle
box item 8 item 8 item 8 trip 89 item or trip 89

PRIZES
Plaque

Lapel Pin

Aim higher than expected. R I S E T H R O U G H T H E AWA R D

AC ADEMY BENEFITS
LE VEL S BY BRINGING ON
Reserved
Seating1 • • • • •
Achieve more than excellence. Q U A L I F I E D C A N D I D AT E S .
E A R N R E WA R D S F O R

Personal Recruiting is a vital part of our culture. Now,

YO U R D E D I C AT I O N T O
Special
Recognition • • • • •
PERSONAL RECRUITING.
when you bring qualified Personal Recruits* on board,
you gain admittance to a group of exceptional individuals RECOGNITION
Room Credit
or Upgrade1 • • • •
whose achievements have elevated their status. Leadership Academy,
Convention perks and

Pinnacle is where dedication and determination meet to

upgrades
Convention
Credits 2 • • • • • •
enhance a cultivated lifestyle reserved for those who can
AWARDS
meet the demands. Swag, plaques, lapel pins CEO Welcome
Cameo 3 •

CONVENTION BENEFITS
E XCLUSIVE ITEMS

Your efforts also have a more profound effect — you are a

Choose from prizes such as
Rolex Submariner, $10,000 cash
CEO Welcome
Call 3 • •
payout, HD camera, Apple
direct contributor to team, agency, and company growth.
Recruits you personally select from your connections or
MacBook Air, Apple Watch,
KitchenAid Mixer, designer gift
Private
Transfer3 • • •
cards, custom clothing, Gucci
personal interactions are higher-caliber candidates. The level
of trust established between you and your Personal Recruits
watches, Peloton Bike and
Treadmill, and much more!
Room
Upgrade 3 • •
sets them up to be more connected, comfortable, and committed.
• •
TRIPS Priority
Cruises to Mexican Riviera, Seating 3
The value of Personal Recruiting cannot be overstated.
Mediterranean Sea, Alaska,

•
Europe; Colorado ski trip, Automatic
Universal Orlando, and more! Qualification 4

1
For next qualifying Leadership Academy school | 2 For calendar year personal recruits. Pinnacle members automatically qualify for Convention in the year achieved. | 3 For next
qualifying Convention | 4 For the year Pinnacle Status is achieved | 5 Bonus potential is contingent upon when during your contract tenure the recruits qualify for the program. See
your manager for specific details. | 6 Must have combined Net ALP of $500,000 from all Personal Recruits to qualify | 7 Must have combined Net ALP of $250,000 from all Personal
SO JOIN THE ELITE. RE ACH THE PINNACLE. COMING 2022. Recruits to qualify | 8 Selected from Prize Catalog | 9 Travel prizes may be subject to change. Trip recipients are encouraged to stay abreast of the latest travel restrictions.

*A Personal Recruit is defined as having been recruited through personal relationships or happenstance introduction. Candidates recruited through any structured or existing
recruiting system — RMS, newspaper ads, career fairs, Internet ads, job boards (such as Monster, CareerBuilder, Craigslist, etc.), kiosk placements, event recruiting, etc. — do not
qualify as for this program. Qualified Personal Recruits earned from 2021 to 2023 will accumulate to achieve each level.
26 ROOKIE PRODUCERS NOVEMBER YTD
27

Rank Net ALP NTG RET MGA SGA Rank Net ALP NTG RET MGA SGA
1 Firat Ucar $57,152 90 Taulant Bane Dustin Venekamp *1 Spencer Kozej $314,657 83.9 Mark Bernsdorff Simon Arias
2 Damaris Trejo $49,147 97 Zach Otto Sabrina Lloyd *2 Carrington Hanna $303,154 92.7 Eno Iftiu AO
3 Ashley Mysza $49,038 85.3 John Vacca Tommy Vena *3 Ervin Metaj $298,156 89.1 Taulant Bane Dustin Venekamp
4 Connor O’Donnell $47,935 86.6 Arturo Romero S-S-Parks-Salvaggi *4 Ladan Rahbary $294,934 91.5 Bruce Viaje AO
5 Ladan Rahbary $35,351 91.5 Bruce Viaje AO *5 Josh Spence $288,960 79.1 Josh Spence AO
1 2 3 4 6 Herlin Celicourt $33,214 75.3 Jean M Joseph Tom Williams *6 Christina Salvatore $280,919 74.2 Arif Hajro AO
FIRAT UCAR DAMARIS TREJO ASHLEY MYSZA CONNOR O’DONNELL 7 Abraham Mogilevsky $32,620 99 Tami Chaimov Jamison Weatherspoon *7 Connor O’Donnell $272,268 86.6 Arturo Romero S-S-Parks-Salvaggi
PHOENIX, AZ SCHAUMBURG, IL DES PLAINES, IL ST LOUIS, MO 8 Ervin Metaj $31,474 89.1 Taulant Bane Dustin Venekamp *8 Marshall Fernandez $271,327 96 Alon Barnur AO
9 Michelle Scourtos $31,332 92.3 Iv Menache Albert Serur *9 Damaris Trejo $270,674 97 Zach Otto Sabrina Lloyd
10 Katherinne Alfonzo Zerpa $30,798 100 Helgi Bistochett Navarro Richardson Latino Division *10 Scott Whitford $270,515 80.2 Saury Espaillat Ryan Bisanz
11 Nikolla Lulgjuraj $30,329 86.5 Mark Dushaj AO 11 Ashley Mysza $270,157 85.3 John Vacca Tommy Vena
12 Alex Jankowski $29,555 100 Jonathan Rindt Simon Arias 12 Firat Ucar $256,376 90 Taulant Bane Dustin Venekamp
* 13 Frank Ramirez Orsetty $25,916 100 Helgi Bistochett Navarro Richardson Latino Division 13 Bruno Nuro $222,310 85.8 Taulant Bane Dustin Venekamp
14 Ahmad Aqel $23,848 92 Taulant Bane Dustin Venekamp 14 Nikolla Lulgjuraj $208,971 86.5 Mark Dushaj AO
5 6 7 8 15 Amindel Reyes $23,528 97 Norvi Belisario San Antonio Latino Division 15 Marvelie Sanchez $203,256 80.0 Joseph Tomanovich AO
LADAN RAHBARY HERLIN CELICOURT ABRAHAM MOGILEVSKY ERVIN METAJ 16 Eduardo Rivas $23,410 100 Yania Tineo Soto Richardson Latino Division 16 Nancy Djendji $200,040 100.0 Nafic Djendji Abdel Khalek Jesus Romero
VANCOUVER, BC POMPANO BEACH, FL DULUTH, GA PHOENIX, AZ
17 Erald Tomorri $23,177 92 Arif Hajro AO 17 Anthony Williams $192,917 84.7 Ryan Crawford Simon Arias
18 Elio Gomez $22,801 74.0 Anizabeth Parra Gonzalez Adel Al Choufi Naim 18 Sharon Potter $191,223 83.2 Patrycja Grudzinska Sabrina Lloyd
19 Christina Salvatore $22,535 74.2 Arif Hajro AO 19 Scott Urbanowicz $186,910 89.7 Joe Lewo Henderson-Locker
20 Hernan Rodriguez Becerra $21,771 94.5 Maria Elisa Moros Ojeda Jesus Romero 20 Michael Geyer $178,751 91.7 Mark Bernsdorff Simon Arias
21 Carrington Hanna $21,031 92.7 Eno Iftiu AO 21 Emily Klich $177,915 83.0 Brandon Hughes Dustin Venekamp
* 22 Pedro Colls Nunez $21,027 100 Helgi Bistochett Navarro Richardson Latino Division 22 Hector Cruz $176,969 83.5 Joseph Rotolo Henderson-Locker
23 James Ganci $20,690 90.3 Raul Rojas Jose Carvajal 23 Joshua Elkins $175,536 82.8 Travis Picklesimer S-S-Bendure-Hartwig
9 10 11 12
24 Keenan Pacheco $20,388 87 Sara Vaz AO 24 Andi Iftiu $173,146 95 Eno Iftiu AO
MICHELLE SCOURTOS KATHERINNE ALFONZO ZERPA NIKOLLA LULGJURAJ ALEX JANKOWSKI
NEW YORK, NY RICHARDSON, TX ROCHESTER, MI WEXFORD, PA 25 Justin Neal $20,380 96 Eno Iftiu AO 25 Peter Barany $171,954 73.1 Peter Barany AO
* 26 Salam Badri $20,326 100 Mark Dushaj AO 26 Kurt Evans $171,440 85.3 Mohamed Shogar Josh West
* 27 Jorge Villamizar Cedeno $20,170 100 Helgi Bistochett Navarro Richardson Latino Division 27 Epifania Segovia Barreto $170,676 100 Jean Romero Capote Jesus Romero
28 Alessandro Succurro $20,082 94.7 Mark Dushaj AO 28 Ahmad Aqel $169,884 92 Taulant Bane Dustin Venekamp
29 Nicholas Beyer $20,056 95 Zach Otto Sabrina Lloyd 29 Mathew Kahwaji $166,418 92 Eno Iftiu AO
30 Joshua Elkins $19,973 82.8 Travis Picklesimer S-S-Bendure-Hartwig 30 Bart Barrett $161,684 83.4 Mark Lomonaco AO
31 Mariana Landaeta $19,886 100 Richardson Latino Division 31 Sara Hart $161,663 77.0 Eno Iftiu AO
13 14 15 16 * 32 Ender Fernando Marcano Cardozo $19,716 100 Yania Tineo Soto Richardson Latino Division 32 Hernan Rodriguez Becerra $160,960 94.5 Maria Elisa Moros Ojeda Jesus Romero
FRANK RAMIREZ ORSETTY AHMAD AQEL AMINDEL REYES EDUARDO RIVAS 33 Francisco Morell Revilla $19,616 100 Helgi Bistochett Navarro Richardson Latino Division 33 Kelly Nelson $157,989 79.3 Jenny Kim AO
RICHARDSON, TX PHOENIX, AZ SAN ANTONIO, TX RICHARDSON, TX 34 Robert Burns $19,428 92 Daniel Prinzo S-S-Parks-Salvaggi 34 Tyjere Morrow $155,684 77.4 Ashley Rust AO
35 Josh Spence $19,372 79.1 Josh Spence AO 35 Brent Henderson $153,200 77.7 Jeremiah Russin Simon Arias
* 36 Charles Nacovsky $19,213 100 Johnny Ly Giglione-Ackerman 36 Giorgi Gogidze $151,057 78.7 James Fangmann Albert Serur
* 37 Jordan Brown $19,133 100 Joe Lewo Henderson-Locker 37 Joshua Notte $150,586 91.4 Daniel Prinzo S-S-Parks-Salvaggi
38 Henry Long $18,906 100 Ahmed Kassem Zach Hart 38 Evan Lee $149,882 76.3 Joe Lewo Henderson-Locker
39 Karley Lopez $18,842 92 Patrycja Grudzinska Sabrina Lloyd 39 Damon Stroup $149,542 87.6 Stuart Pagan Mathew Hart
40 Sofia Cedeno Leal $18,669 100 Helgi Bistochett Navarro Richardson Latino Division 40 Joshua Hosenbold $148,112 78.6 Joe Lewo Henderson-Locker
17 18 19 20 41 Marshall Fernandez $18,573 96 Alon Barnur AO 41 Karem Cogollo $147,838 91.1 Adalberto Paz San Antonio Latino Division
ERALD TOMORRI ELIO GOMEZ CHRISTINA SALVATORE HERNAN RODRIGUEZ BECERRA 42 Kathleen McArthur $18,564 78.6 Romal Omid Mathew Hart 42 Bryan Stoddard $143,852 85.7 Josh West
RANCHO SANTA MARGARITA, CA MIAMI LAKES, FL ANAHEIM, CA HOUSTON, TX
* 43 Iranidys Rivas $18,537 100 Yania Tineo Soto Richardson Latino Division 43 Salaur Khorrami $142,776 91.1 Zackarea Hakim AO
44 Aldo Ramirez Marinelli $18,442 96.5 Beto Quintero 44 Jennifer Savino $139,331 87 Ryan Slone Albert Serur
ICEBREAKERS

45 Sharon Potter $18,425 83.2 Patrycja Grudzinska Sabrina Lloyd 45 Noris Dominguez Ramirez $139,243 88.2 Nafic Djendji Abdel Khalek Jesus Romero
46 Maria La Cruz $18,398 100 Yania Tineo Soto Richardson Latino Division 46 Phoebe He $138,551 86.8 Phoebe He Saavedra-Longino
47 Sergio Santana Vargas $18,090 100 Norvi Belisario San Antonio Latino Division 47 Herlin Celicourt $137,925 75.3 Jean M Joseph Tom Williams
48 Muhammad Mansoor $17,955 77.7 Jadwiga Martins AO 48 Michele Stewart $137,662 81.8 Eno Iftiu AO
49 Monica Lee $17,845 95 Marcus Moody Jamison Weatherspoon 49 Anne Banco $137,361 91.6 Mac Duddy Giglione-Ackerman
50 Bryan Stoddard $17,796 85.7 Josh West 50 Jenny Anderson $136,414 94.4 Martin Salavec Travis Moody

PEDRO COLLS NUNEZ SALAM BADRI JORGE VILLAMIZAR CEDENO

RICHARDSON, TX DEARBORN HEIGHT, MI RICHARDSON, TX

An IceBreaker is a Producer who made his/her first sale in the last 2 calendar months. We will recognize all IceBreakers in the Top 20 Rookie
Producers list for the month, as well as the next Top 3 in this category.
28 VETERAN PRODUCERS NOVEMBER YTD
29

Rank Net ALP NTG RET MGA SGA Rank Net ALP NTG RET MGA SGA
1 Daniel Paravisini $127,569 91.9 Ryan Stenglein AO *1 Daniel Paravisini $748,697 91.9 Ryan Stenglein AO
2 Oleg Novitchii $82,457 84.8 Eric Thompson S-S-Parks-Salvaggi *2 Oleg Novitchii $627,938 84.8 Eric Thompson S-S-Parks-Salvaggi
3 Carmen Arroyo $69,856 81.6 Carmen Arroyo Theodore Pappas *3 Joshua Dishong $627,679 83.1 Joshua Dishong S-S-Bendure-Hartwig
4 Duni Olusegun $62,109 81.6 Duni Olusegun James Cunningham *4 Duni Olusegun $517,427 81.6 Duni Olusegun James Cunningham
5 Kevin Ishikane $52,046 86.4 Blake Higuchi AO *5 Carmen Arroyo $496,387 81.6 Carmen Arroyo Theodore Pappas
6 Arturo Romero $40,343 78.2 Arturo Romero S-S-Parks-Salvaggi *6 Arturo Romero $447,766 78.2 Arturo Romero S-S-Parks-Salvaggi
7 Alipate Makaui $39,969 95.9 Alipate Makaui Steve Friedlander *7 Kevin Ishikane $434,957 86.4 Blake Higuchi AO
1 2 3 4
8 Joshua Dishong $38,564 83.1 Joshua Dishong S-S-Bendure-Hartwig *8 Michael van Delft $433,044 89.7 Satti-Kanaan
DANIEL PARAVISINI OLEG NOVITCHII CARMEN ARROYO DUNI OLUSEGUN
GRANDVIEW, MO CLEVELAND, OH FLUSHING, NY INDIANAPOLIS, IN 9 Lily Sakai $37,564 93.1 Cohen-Velasquez *9 Aref Sayegh $400,187 90.9 Phillip Waisman Satti-Kanaan
10 Roger Fung $36,607 81.9 Mathew Hart *10 Roger Fung $398,055 81.9 Mathew Hart
11 Lamine Diakhate $34,454 100.0 Satti-Kanaan 11 Trevor Bailey $394,909 83.1 Scott Wheeler Satti-Kanaan
12 Trevor Bailey $34,257 83.1 Scott Wheeler Satti-Kanaan 12 Lily Sakai $357,431 93.1 Cohen-Velasquez
13 John Curry $34,189 78.9 Mark Dushaj AO 13 Alipate Makaui $352,909 95.9 Alipate Makaui Steve Friedlander
14 Alex Smith $33,992 86.4 Clint Perry AO 14 Muhammed Ashraf $332,679 90.1 Sabrina Kryshundayal Theodore Pappas
15 Tomarus Burks $31,791 80.7 Tomarus Burks Tom Williams 15 Jillian Getz $321,099 81.6 Arif Hajro AO
16 Matthew Cessna $31,667 100.0 Justin Adams Simon Arias 16 Roger Fredericks $316,556 89.9 Adrienne Bragas AO
5 6 7 8 17 Ranjana Chopra $31,376 81.3 Chalom-Chalom 17 Derrick Mason $315,210 84.5 Derrick Mason Chad Deley
KEVIN ISHIKANE ARTURO ROMERO ALIPATE MAKAUI JOSHUA DISHONG 18 Michael van Delft $29,531 89.7 Satti-Kanaan 18 Dina Boghdady $297,904 85.2 Luay Ghawi AO
KAPOLEI, HI ST LOUIS, MO AUCKLAND, NZ COLUMBUS, OH 19 Christian Gojcaj $28,747 90.2 Mark Dushaj AO 19 Matthew Zang $257,521 87.5 Ryan Stenglein AO
20 Aref Sayegh $28,577 90.9 Phillip Waisman Satti-Kanaan 20 Max Quasem $256,844 86.7 Cohen-Velasquez
21 Max Quasem $27,849 86.7 Cohen-Velasquez 21 Alex Miller $249,116 84.0 Stephen Jeung Cohen-Velasquez
22 Jillian Getz $25,995 81.6 Arif Hajro AO 22 Tomarus Burks $240,295 80.7 Tomarus Burks Tom Williams
23 Roger Fredericks $25,963 89.9 Adrienne Bragas AO 23 Kristi Basho $234,726 90.9 Arif Hajro AO
24 Melinda Skinner $25,233 85.9 Melinda Skinner Weatherspoon-Harris 24 Klaudio Martinaj $234,179 76.7 Eno Iftiu AO
25 Joachim Jean $24,187 87.4 Ryan Hall Laura Fisher 25 Bryan Juskiw $224,480 85.2 Bryan Juskiw S-S-Bendure-Hartwig
26 Chris Anderson $23,458 81.2 Mathew Hart 26 Joseph Tomanovich $212,907 88.1 Joseph Tomanovich AO
9 10 11 12 27 Ashkan Khoshmagham $23,053 83.8 Bobby Gujral AO 27 Joey Kennedy $212,481 85.5 AO
LILY SAKAI ROGER FUNG LAMINE DIAKHATE TREVOR BAILEY 28 Joey Kennedy $21,379 85.5 AO 28 Ellen Tuttle $210,499 86.2 Brett Gryska
LOS ANGELES, CA TRACY, CA HALIFAX, NS HALIFAX, NS
29 Mark Diskin $20,838 75.1 Mark Diskin Simon Arias 29 Joseph Sarasin $210,096 82.1 Travis Picklesimer S-S-Bendure-Hartwig
30 Tony Georges $20,815 89.9 Matthew Conrad S-S-Parks-Salvaggi 30 Alex Smith $208,506 86.4 Clint Perry AO
31 Joseph Sarasin $20,774 82.1 Travis Picklesimer S-S-Bendure-Hartwig 31 Tennison Mather $208,244 83.2 Joseph Tomanovich AO
32 Brandon Neal $20,650 94.4 Mark Dushaj AO 32 Edward Leon $207,322 82.9 Mark Dushaj AO
33 Bradley Christiansen $20,604 75.8 Darrell Asbell AO 33 Jihad Ottallah $203,273 87.3 Matthew Conrad S-S-Parks-Salvaggi
34 Godwill Barungi $20,094 79.0 Patrycja Grudzinska Sabrina Lloyd 34 Mike Reed $202,958 94.8 Meaghan Krecsko AO
35 David Rigney $19,770 85.2 David Rigney Kevin Holtz 35 Joachim Jean $202,955 87.4 Ryan Hall Laura Fisher
36 Jihad Ottallah $19,430 87.3 Matthew Conrad S-S-Parks-Salvaggi 36 Kasali Kotun $199,105 83.4 Kasali Kotun Williams-Musso
13 14 15 16
37 DeAnthony Hartman $19,410 84.7 Darcy Schrieber Zach Hart 37 Omar Hashimi $197,500 83.4 Paul Samra Andrew McQuade
JOHN CURRY ALEX SMITH TOMARUS BURKS MATTHEW CESSNA 38 Phi Phan $19,344 89.5 Phi Phan Desi Dimitrova 38 Kevin Gillum $194,513 92.7 Jenny Kim AO
ANN ARBOR, MI SOUTH JORDAN, UT POMPANO BEACH, FL WEXFORD, PA
39 Ryan McIntosh $19,330 75.9 Ryan McIntosh AO 39 Alexandra Longo $192,983 91.1 Alexandra Longo Hart-Lewicki
40 Brock Lampee $19,161 97.1 Dustin Dunbar Dustin Venekamp 40 Nicholas Davis $189,536 80.2 Samy Jacques Tom Williams
41 Derrick Mason $19,035 84.5 Derrick Mason Chad Deley 41 Phi Phan $187,303 89.5 Phi Phan Desi Dimitrova
42 Nicholas Davis $19,002 80.2 Samy Jacques Tom Williams 42 Jesse Fullmer $185,607 95.4 Jesse Fullmer AO
43 Hazem Aboueldahab $18,708 73.2 Christopher Hintz AO 43 DeAnthony Hartman $185,001 84.7 Darcy Schrieber Zach Hart
44 Bryan Juskiw $18,668 85.2 Bryan Juskiw S-S-Bendure-Hartwig 44 Irma Gallardo $184,613 80.8 Steven Warner AO
45 Riche Haye $18,509 80.1 Kelly Schoenherr Philip Prata 45 Tony Georges $183,817 89.9 Matthew Conrad S-S-Parks-Salvaggi
17 18 19 20 46 Kristi Basho $18,495 90.9 Arif Hajro AO 46 Stephen Bowen $183,662 90.4 Stephen Bowen AO
47 Sione Maumau $18,376 91.5 Alipate Makaui Steve Friedlander 47 Razan Zarba $181,596 76.9 Razan Zarba Mathew Hart
RANJANA CHOPRA MICHAEL VAN DELFT CHRISTIAN GOJCAJ AREF SAYEGH
MARKHAM, ON HALIFAX, NS STERLING HEIGHTS, MI HALIFAX, NS 48 Susana Vargas $17,977 86.1 Ed-Maggie Myrthil Theodore Pappas 48 Melinda Skinner $178,136 85.9 Melinda Skinner Weatherspoon-Harris
49 Christabel Ornelas $17,973 95.9 Paul Samra Andrew McQuade 49 Shiv Patel $177,527 77.3 Zach Otto Sabrina Lloyd
50 Ikram Al-Shobaki $17,881 76.9 Ikram Al-Shobaki Byron Paz 50 Kashala Guiden $173,303 92.6 Zach Otto Sabrina Lloyd

ALL TIME RECORD: $189,995 Net ALP — MARK NEILSON ALL TIME RECORD: $756,403 Net ALP — JOSH DISHONG

LIFETIME RECORD: $4,042,127 Net ALP — MAX QUASEM 11/30/2021

30
SUPERVISING AGENTS 31

NOVEMBER YTD
Rank 1st 6 Mo Agt Net ALP NTG RET MGA SGA Rank 1st 6 Mo Agt Net ALP NTG RET MGA SGA
1 Edgar Velasquez Romero $155,111 $166,154 100 Helgi Bistochett Navarro Richardson Latino Division *1 Sean Taylor $318,846 $796,932 91 Joe Lewo Henderson-Locker
2 Luis Barbaresco Garcia $116,991 $122,983 100 Yania Tineo Soto Richardson Latino Division *2 Edgar Velasquez Romero $297,260 $319,063 100 Helgi Bistochett Navarro Richardson Latino Division
1 2 3 4 3 Johan Tabares Gordillo $76,761 $76,761 100 Helgi Bistochett Navarro Richardson Latino Division *3 Kristi Basho $249,412 $440,773 79.8 Arif Hajro AO
4 Carlos Frias Caraballo $73,653 $85,536 100 Yania Tineo Soto Richardson Latino Division *4 Agnieszka Kusper $237,571 $582,523 96 Patrycja Grudzinska Sabrina Lloyd
EDGAR VELASQUEZ ROMERO LUIS BARBARESCO GARCIA JOHAN TABARES GORDILLO CARLOS FRIAS CARABALLO
RICHARDSON, TX RICHARDSON, TX RICHARDSON, TX RICHARDSON, TX 5 Sean Taylor $56,877 $76,400 91 Joe Lewo Henderson-Locker *5 Luis Barbaresco Garcia $235,552 $271,512 100 Yania Tineo Soto Richardson Latino Division
6 Eric Caballero $49,373 $50,838 95 Paul Samra Andrew McQuade 6 Cory Moncol $225,063 $358,592 89.0 Matthew Conrad S-S-Parks-Salvaggi
7 Diana Navarro $28,582 $34,339 96 Luis Velasquez Jesus Romero 7 Klaudio Merizaj $225,030 $450,999 80.9 Eno Iftiu AO
8 Damaris Trejo $28,456 $64,689 100 Zach Otto Sabrina Lloyd 8 Juan Guzman Aular $219,253 $292,731 99 Jesus Romero
9 Edward Leon $26,326 $26,664 92.5 Mark Dushaj AO 9 Sara Hart $208,176 $372,528 83.7 Eno Iftiu AO
10 Estephanie Montecillo $23,228 $23,362 93 Adianeza Rodriguez Hemerson Gonzalez 10 Michael Geyer $171,285 $366,013 81.1 Mark Bernsdorff Simon Arias
11 Noah Vongunden $22,645 $35,396 99 Mark Bernsdorff Simon Arias 11 Nesmar Vielma $162,722 $222,503 92 Solgeis Cardozo Mijares Hemerson Gonzalez
5 6 7 8 12 Jacob Labree $22,078 $25,050 89 Elias Boles Brett Gryska 12 Eric Caballero $159,703 $171,135 95 Paul Samra Andrew McQuade
SEAN TAYLOR ERIC CABALLERO DIANA NAVARRO DAMARIS TREJO 13 Jusem Hajali $21,760 $28,866 79.1 Beto Quintero 13 Jihad Ottallah $159,325 $392,364 92 Matthew Conrad S-S-Parks-Salvaggi
ORLANDO, FL CONCORD, CA HOUSTON, TX SCHAUMBURG, IL
14 Michele Stewart $21,049 $27,684 100.0 Eno Iftiu AO 14 Nancy Djendji $147,324 $260,345 97 Nafic Djendji Abdel Khalek Jesus Romero
15 Maria Papilago $21,005 $32,488 100 Nairobi Contreras Hemerson Gonzalez 15 Michele Stewart $143,753 $189,113 100.0 Eno Iftiu AO
16 Marcos Villalobos Morales $19,807 $22,149 100 Jorge Caridad Fort Worth Latino Division 16 Carlos Frias Caraballo $140,823 $171,248 100 Yania Tineo Soto Richardson Latino Division
17 Sandra Armendariz $18,390 $18,684 97 Raul Rojas Jose Carvajal 17 Edon Nevzadi $132,418 $240,628 90 Taulant Bane Dustin Venekamp
18 Dameyan Chambers $18,262 $26,205 90 Arturo Romero S-S-Parks-Salvaggi 18 Indira Frias Pacheco $131,613 $167,039 95 Tahis Quintero Bonilla Jesus Romero
19 Sara Hart $18,225 $52,864 83.7 Eno Iftiu AO 19 Brent Henderson $130,680 $297,609 88 Jeremiah Russin Simon Arias
20 Nancy Djendji $18,216 $31,926 97 Nafic Djendji Abdel Khalek Jesus Romero 20 Joshua Hosenbold $129,553 $240,187 93 Joe Lewo Henderson-Locker
9 10
EDWARD LEON ESTEPHANIE MONTECILLO ALL TIME RECORDS: $268,100 1st 6 Mo Agt — JEFFREY HUDSON $268,100 Net ALP — JEFFREY HUDSON ALL TIME RECORDS: $1,001,807 1st 6 Mo Agt — MORIAH CHANDLER $1,476,253 Net ALP — MORIAH CHANDLER
WARREN, MI DALLAS, TX

GENERAL AGENTS
NOVEMBER YTD
Rank 1st 6 Mo Agt Net ALP NTG RET MGA SGA Rank 1st 6 Mo Agt Net ALP NTG RET MGA SGA
1 Jose Aranguren $208,877 $218,768 100 Yania Tineo Soto Richardson Latino Division *1 Moriah Chandler $723,706 $1,653,191 89 Joe Lewo Henderson-Locker
2 Danny Souri $64,949 $65,770 95 Zach Otto Sabrina Lloyd *2 Bledar Bane $715,520 $1,350,680 86.2 Taulant Bane Dustin Venekamp
1 2 3 4 3 Heriberto Chavez $60,599 $68,886 74.1 Paul Samra Andrew McQuade *3 Jillian Getz $600,193 $1,438,088 81.8 Arif Hajro AO
4 Bledar Bane $60,254 $121,149 86.2 Taulant Bane Dustin Venekamp *4 Ervin Metaj $489,517 $742,009 88.3 Taulant Bane Dustin Venekamp
JOSE ARANGUREN DANNY SOURI HERIBERTO CHAVEZ BLEDAR BANE
RICHARDSON, TX SCHAUMBURG, IL CONCORD, CA PHOENIX, AZ 5 Moriah Chandler $56,877 $71,578 89 Joe Lewo Henderson-Locker *5 Taleb Jammoul Hajali $482,627 $1,072,762 92 Beto Quintero
6 Gianni Toma $47,164 $56,054 74.3 Ian Rouleau Zach Hart 6 Lubraska Iguaro $482,570 $571,471 85.3 Luis Velasquez Jesus Romero
7 Jillian Getz $45,940 $165,554 81.8 Arif Hajro AO 7 Klaudio Martinaj $473,546 $1,059,520 81.2 Eno Iftiu AO
8 Spencer Kozej $39,652 $76,732 81.6 Mark Bernsdorff Simon Arias 8 Katie Stahulak $462,008 $1,089,045 87.4 Patrycja Grudzinska Sabrina Lloyd
9 Taleb Jammoul Hajali $39,575 $110,765 92 Beto Quintero 9 Gianni Toma $406,708 $541,071 74.3 Ian Rouleau Zach Hart
10 Ileana Tineo $37,901 $39,163 100 Axel Carrasquel Fort Worth Latino Division 10 William Thomas $386,724 $841,453 87.8 Matthew Conrad S-S-Parks-Salvaggi
11 Jonathan Collins $36,893 $40,615 97 Victoria Lewis Ernest Powell 11 Heriberto Chavez $378,443 $438,748 74.1 Paul Samra Andrew McQuade
5 6 7 8 12 Joseph Crivelli $36,683 $44,449 98 Brody Maughan-Evanson Simon Arias 12 Elmar Salas Velasco $370,041 $617,436 80.4 Tahis Quintero Bonilla Jesus Romero
MORIAH CHANDLER GIANNI TOMA JILLIAN GETZ SPENCER KOZEJ 13 Alejandra Ramos $35,794 $100,220 94 Adianeza Rodriguez Hemerson Gonzalez 13 Alexandra Jaeger $360,372 $545,419 89 Duane Shaw Sabrina Lloyd
ORLANDO, FL TROY, MI CORONA, CA WEXFORD, PA
14 Luis Osorio Bello $35,333 $37,997 97 Jorge Caridad Fort Worth Latino Division 14 Bryce Engstrom $344,266 $511,804 91.1 Brandon Minor AO
15 Katie Stahulak $34,438 $104,913 87.4 Patrycja Grudzinska Sabrina Lloyd 15 Spencer Kozej $337,227 $736,104 81.6 Mark Bernsdorff Simon Arias
16 Lubraska Iguaro $33,642 $44,303 85.3 Luis Velasquez Jesus Romero 16 Jose Aranguren $320,163 $364,801 100 Yania Tineo Soto Richardson Latino Division
17 Derek Johnson $32,923 $50,403 80.1 Stella Roznovan Cohen-Velasquez 17 Carrington Hanna $311,125 $819,249 82.6 Eno Iftiu AO
18 Austen Oakes $30,933 $40,831 73.0 John Vacca Tommy Vena 18 Morella Parejo $298,185 $409,760 92.5 Luis Velasquez Jesus Romero
19 Phillip Rigoli $30,728 $61,224 82.9 James Sodan Nick Moore 19 Phillip Rigoli $283,708 $609,582 82.9 James Sodan Nick Moore
20 Jessie Holland $30,422 $55,018 84.9 David Carpenter Dustin Venekamp 20 Derek Johnson $270,374 $345,383 80.1 Stella Roznovan Cohen-Velasquez
9 10
TALEB JAMMOUL HAJALI ILEANA TINEO ALL TIME RECORDS: $470,416 1st 6 Mo Agt — JEFFREY HUDSON $473,032 Net ALP — JEFFREY HUDSON ALL TIME RECORDS: $2,035,593 1st 6 Mo Agt — MEGAN JOHNSON $2,259,927 Net ALP — MEGAN JOHNSON
MIAMI, FL BEDFORD, TX
 NOVEMBER YTD
32 MASTER GENERAL AGENTS Category

I Zach Otto
Growth

34.8%
Net ALP

$221,471
Benchmark

$164,352
NTG RET

86.4
SGA

Sabrina Lloyd
Category

II Eric Thompson
Growth

39.6%
Net ALP

$2,012,648
Benchmark

$1,442,181
NTG RET

85.1
SGA

S-S-Parks-Salvaggi
33

II Mike Paragiou 170.8% $224,790 $82,998 85.2 S-S-Parks-Salvaggi Ashley Clarke 23.0% $1,724,544 $1,402,012 73.6 Ernest Powell
Eric Thompson 62.7% $207,645 $127,623 85.1 S-S-Parks-Salvaggi Darrell Asbell 22.2% $1,592,461 $1,303,253 83.5 AO
Kimberly Hamilton 35.4% $144,074 $106,443 77.4 Brett Gryska III David Carpenter 183.4% $3,578,080 $1,262,721 82.2 Dustin Venekamp
III David Carpenter 171.4% $288,931 $106,459 82.2 Dustin Venekamp Duane Shaw 75.5% $1,874,912 $1,068,629 78.4 Sabrina Lloyd
Brent Bowling 105.9% $115,218 $55,967 87.7 S-S-Parks-Salvaggi Sokol Fazliu 43.7% $1,598,687 $1,112,383 82.9 Simon Arias
IV Brody Maughan-Evanson 66.1% $155,291 $93,490 82.7 Simon Arias IV Brody Maughan-Evanson 131.1% $2,002,908 $866,666 82.7 Simon Arias
Andrew Bishop 31.3% $140,571 $107,054 86.2 AO Andrew Bishop 43.7% $1,366,070 $950,362 86.2 AO
Phi Phan 21.6% $59,036 $48,557 82.1 Desi Dimitrova Bruce Viaje 38.2% $1,109,609 $802,997 80.9 AO
V Gabriela Sime 94.7% $153,603 $78,889 81.3 Fisher-Zuzick V Gabriela Sime 64.9% $1,260,608 $764,655 81.3 Fisher-Zuzick

I ZACH OTTO
II MIKE PARAGIOU
III DAVID CARPENTER
IV
BRODY MAUGHAN-EVANSON
Blake Higuchi
Romal Omid
VI Erin Allen
55.4%
55.3%
108.7%
$94,338
$102,363
$70,602
$60,707
$65,912
$33,835
82.3
76.3
79.6
AO
Mathew Hart
Richard Correa
Romal Omid
Blake Higuchi
VI Taurean Flournoy
29.5%
27.5%
60.3%
$1,023,190
$1,008,434
$1,111,105
$790,196
$790,851
$693,086
76.3
82.3
79.8
Mathew Hart
AO
Weatherspoon-Harris
SCHAUMBURG, IL ST LOUIS, MO TEMPE, AZ WEXFORD, PA Chris La Fond 68.5% $106,875 $63,429 77.2 AO Michael McKiernan 48.7% $1,024,625 $688,858 86.7 Dustin Venekamp
Andrew Chambers 61.6% $93,619 $57,918 75.0 Philip Prata Brian Jerome 28.1% $892,370 $696,537 78.7 Tom Williams
VII Alberto Alcala 83.4% $77,457 $42,228 73.2 Ryan Bisanz VII Daniel G Johnson 76.1% $1,056,907 $600,114 82.6 Andre McCallum
Kelly Ekker 41.3% $88,386 $62,557 81.6 Tiffany Wagner Adam Kidikas 66.8% $1,066,971 $639,646 86.9 Josh West
Adam Kidikas 35.5% $64,602 $47,666 86.9 Josh West Stephen Jeung 48.0% $904,951 $611,607 80.7 Cohen-Velasquez
VIII Alipate Makaui 105.3% $100,262 $48,837 91.8 Steve Friedlander VIII Mark Bernsdorff 134.7% $1,394,722 $594,198 81.4 Simon Arias
Daniel Umbertone 43.6% $72,161 $50,261 81.2 AO Jessica Chang 55.2% $862,927 $555,963 83.9 AO
Tiffany Babin-Washington 23.4% $47,968 $38,867 76.1 Jay Washington Daryl Graham 54.7% $877,554 $567,423 80.9 S-S-Parks-Salvaggi
IX Scott Wheeler 144.6% $122,872 $50,235 88.3 Satti-Kanaan IX Scott Wheeler 145.6% $1,496,699 $609,505 88.3 Satti-Kanaan

V VI VII VIII
Stella Roznovan 115.8% $81,076 $37,574 79.3 Cohen-Velasquez John Santosuosso 93.1% $963,894 $499,243 86.8 Brett Gryska
John Santosuosso 111.5% $109,005 $51,544 86.8 Brett Gryska Michael Battaglio 42.8% $709,756 $496,930 82.6 Evan Holzhauer
X Jesse Rennich 74.8% $80,790 $46,217 76.1 Simon Arias X Justin Sutton 117.7% $982,806 $451,525 81.7 Giddens-Giddens
GABRIELA SIME ERIN ALLEN ALBERTO ALCALA ALIPATE MAKAUI Duni Olusegun 49.0% $77,112 $51,752 83.3 James Cunningham Jesse Rennich 46.9% $646,660 $440,323 76.1 Simon Arias
RIVERSIDE, RI AURORA, CO MEDIA, PA AUCKLAND, NZ David Rigney 42.1% $62,606 $44,059 73.9 Kevin Holtz Chris McFoy 40.1% $625,660 $446,474 84.6 Andrew McQuade
XI Tina Nelson 756239900.0% $25,208 79.2 Mark Beckford XI Stuart Pagan 56.5% $614,814 $392,831 85.2 Mathew Hart
Nicholas Chuma 135.0% $81,666 $34,751 80.0 S-S-Bendure-Hartwig Saury Espaillat 53.9% $608,461 $395,477 78.9 Ryan Bisanz
Raul Rojas 85.4% $39,370 $21,236 81.8 Jose Carvajal Nicholas Chuma 50.8% $630,387 $418,160 80.0 S-S-Bendure-Hartwig
XII Brandon Minor 136.4% $81,919 $34,647 88.6 AO XII Brandon Minor 122.5% $837,185 $376,294 88.6 AO
Jessica Kay 63.1% $56,542 $34,657 81.1 Jamison Weatherspoon William Parmeter 111.6% $787,690 $372,251 79.5 Brett Gryska
Jesse Doherty 47.3% $38,052 $25,825 74.3 AO Mac Duddy 73.6% $612,597 $352,972 89.3 Giglione-Ackerman
XIII Andy Batten 9539900.0% $318 77.1 Michael Vasu XIII Jesse Fullmer 89.3% $542,587 $286,668 91.0 AO
Donald DeVoise 162.3% $61,780 $23,556 92.6 Slav Bitman Justin Adams 49.5% $510,271 $341,279 81.0 Simon Arias

IX X XI XII
Michael Russo 102.4% $25,287 $12,491 88.0 Laura Fisher Donald DeVoise 44.3% $507,630 $351,834 92.6 Slav Bitman
XIV Joseph McCallister 145.1% $42,618 $17,388 82.0 Simon Arias XIV Kevin Butchino 73.3% $467,693 $269,853 80.6 Gabriel Feldmann
Ryan McIntosh 114.0% $77,486 $36,216 75.7 AO Samuel Artzis 72.5% $430,010 $249,293 84.9 AO-Lorence
SCOTT WHEELER JESSE RENNICH TINA NELSON BRANDON MINOR Evan Donoghue 102.6% $22,687 $11,200 78.7 Corey Neff Massoud Vaziri 69.9% $456,696 $268,830 81.8 AO
HALIFAX, NS WEXFORD, PA COLUMBIA, SC LIBERTY LAKE, WA
XV Tanner Duy 99.9% $23,265 $11,638 77.2 AO XV Ronald Rivera 88.5% $416,351 $220,845 84.2 Cohen-Velasquez
Steve Hartman 80.5% $21,762 $12,054 88.2 Dustin Venekamp Anacleto Arevalo 36.7% $293,904 $214,991 83.4 AO
Amanda Peterson 30.2% $14,250 $10,948 83.5 Moswen Taylor Tanner Duy 15.4% $225,143 $195,038 77.2 AO
XVI Brandon Hughes 573869900.0% $19,129 76.5 Dustin Venekamp XVI Rielly Maher 232.2% $562,275 $169,263 79.4 AO
Alon Barnur 571859900.0% $19,062 AO Alon Barnur 220.8% $357,774 $111,523 89.1 AO
Jonathan Phillips 977.4% $4,467 $415 85.4 Blake Ralston Richard Whyte 100.4% $343,051 $171,215 78.6 AO
XVII Darcy Schrieber 1624619900.0% $54,154 88.5 Zach Hart XVII Tina Skalkos 663.7% $304,726 $39,901 88.2 AO
Jennifer Ragan 421.7% $25,231 $4,836 77.3 AO Ashley Johnston 219.5% $127,761 $39,990 91.1 AO
Ashkan Khoshmagham 274.3% $15,544 $4,153 100.0 AO Jennifer Ragan 151.0% $221,470 $88,241 77.3 AO

XIII ANDY BATTEN

XIV JOSEPH MCCALLISTER
XV TANNER DUY
XVI BRANDON HUGHES
XVIII Jeffrey Hudson
Rupinder Toor
Patrice Franklin
365456300.0%
255.5%
150.8%
$12,182
$3,587
$3,278
$1,009
$1,307
74.7
84.4
96.4
Zach Hart
AO
Moswen Taylor
XVIII Vanessa Forouzan
Noella Coleman
Jenny Rosales
207.6%
161.3%
124.5%
$106,912
$63,887
$35,211
$34,757
$24,454
$15,686
91.0
80.7
83.2
AO
AO
Dustin Venekamp
HOUSTON, TX WEXFORD, PA LANGLEY, BC PHOENIX, AZ
ALL TIME RECORD: $697,842 Net ALP — DAVID CARPENTER ALL TIME RECORD: $4,005,969 Net ALP — MARC SALVAGGI

NOVEMBER ROOKIES YTD ROOKIES

Rookie

Category PF F6 Mo F6 Mo Obj Net ALP NTG RET SGA Category PF F6 Mo F6 Mo Obj Net ALP NTG RET SGA
Rookie Astrid Castrillon 298.0% $96,110 $32,250 $176,371 73.4 Hemerson Gonzalez Rookie Jean Romero Capote 291.9% $1,035,395 $354,750 $2,112,212 81.1 Jesus Romero

XVII XVIII
Joe Lewo 224.1% $72,260 $32,250 $95,722 80.6 Henderson-Locker Eno Iftiu 288.3% $1,022,897 $354,750 $2,378,673 81.5 AO
John Vacca 176.3% $56,852 $32,250 $139,575 78.1 Tommy Vena Rafael Medina 247.1% $876,453 $354,750 $1,265,717 74.5 Pappas-Romero
Rafael Medina 171.2% $55,200 $32,250 $95,482 74.5 Pappas-Romero Luis Velasquez 210.6% $746,998 $354,750 $956,040 90.5 Jesus Romero
DARCY SCHRIEBER JEFFREY HUDSON ASTRID CASTRILLON Jonathan Rindt 141.7% $45,691 $32,250 $51,354 79.9 Simon Arias Joe Lewo 210.0% $745,134 $354,750 $1,612,223 80.6 Henderson-Locker
TROY, MI TROY, MI DALLAS, TX Axel Carrasquel 141.6% $45,667 $32,250 $56,349 97 Fort Worth Latino Division Astrid Castrillon 179.4% $636,398 $354,750 $1,100,512 73.4 Hemerson Gonzalez
Arif Hajro 132.4% $42,704 $32,250 $170,476 81.3 AO Arif Hajro 177.1% $628,422 $354,750 $1,692,906 81.3 AO
Spotlight recognizes the top three Master General Agents in Categories I-XVIII with positive growth and the top ten Rookies with minimum 100% Performance Factor.
Figures reflect hierarchy transfer adjustments. The MGAs that will be recognized at the 2021 Awards Presentation are the top MGA per category from Categories I-XVIII Daniel Zotter 131.6% $42,442 $32,250 $82,393 85.0 Brett Gryska Jorge Caridad 164.5% $583,563 $354,750 $682,390 80.1 Fort Worth Latino Division
based on Net ALP Growth (minimum 10%). Must have full year comparison benchmark objective to qualify. The YTD Spotlight number may not necessarily reflect that Luis Velasquez 126.4% $40,766 $32,250 $55,278 90.5 Jesus Romero Robert Jackson 162.8% $577,450 $354,750 $1,003,054 76.8 Arias-Dlabik
computation. Minimum quality standards apply for recognition. Chilynn Acevedo 122.4% $39,468 $32,250 $84,553 76.8 Fisher-Zuzick Jake Gelb 154.3% $547,207 $354,750 $908,647 85.5 Nick Moore
34 REGIONAL GENERAL AGENTS 35

NOVEMBER
Category Growth Net ALP Benchmark NTG RET SGA

II David Carpenter 39.7% $359,531 $257,335 83.9 Dustin Venekamp

Zach Otto 19.8% $291,959 $243,679 84.7 Sabrina Lloyd
Mike Paragiou 19.6% $302,834 $253,268 84.8 S-S-Parks-Salvaggi

II DAVID CARPENTER
III MATTHEW CONRAD
IV RYAN WILSON
V SARA VAZ
III Matthew Conrad
Eric Thompson
Kimberly Hamilton
65.4%
60.2%
10.1%
$345,827
$312,343
$280,448
$209,046
$195,022
$254,800
86.1
84.9
82.9
S-S-Parks-Salvaggi
S-S-Parks-Salvaggi
Brett Gryska
TEMPE, AZ CLEVELAND, OH MIDDLETOWN, CT WINNIPEG, MB IV Ryan Wilson 16.2% $198,723 $170,999 80.7 Philip Prata
Romal Omid 11.9% $194,183 $173,561 73.2 Mathew Hart
V Sara Vaz 29.4% $195,187 $150,825 77.5 AO
Gary Slocum 19.4% $109,189 $91,466 77.7 Desi Dimitrova
Elias Boles 10.7% $177,836 $160,667 81.0 Brett Gryska
VI Patrick Knouse 71.7% $155,922 $90,835 87.1 Slav Bitman
Andrew Bishop 63.8% $221,638 $135,275 87.0 AO
Stuart Pagan 30.3% $73,028 $56,046 82.3 Mathew Hart
VII Mario Hajro 90.3% $399,116 $209,676 79.9 AO
Erin Allen 66.9% $127,599 $76,437 75.3 Richard Correa

VI VII VIII IX
Gregory Rudolph 17.9% $140,556 $119,257 81.5 Simon Arias
VIII Kaitlyn Brandt 42.7% $91,300 $63,996 73.5 Stephen Jubrey
Adam Kidikas 39.6% $120,285 $86,147 86.8 Josh West
PATRICK KNOUSE MARIO HAJRO KAITLYN BRANDT CHASE MILLER Taurean Flournoy 17.1% $89,719 $76,608 81.9 Weatherspoon-Harris
RALEIGH, NC SAN CLEMENTE, CA DALLAS, TX COLUMBUS, OH IX Chase Miller 125.9% $120,744 $53,440 78.7 S-S-Bendure-Hartwig
Gabriela Sime 67.7% $153,603 $91,571 81.3 Fisher-Zuzick
Duni Olusegun 47.3% $84,753 $57,545 83.1 James Cunningham
X John Santosuosso 138.3% $122,816 $51,544 85.8 Brett Gryska
Patrycja Grudzinska 74.6% $167,037 $95,664 81.0 Sabrina Lloyd
Andrew Chambers 61.6% $93,619 $57,918 76.9 Philip Prata
XI Arif Hajro 398.8% $170,476 $34,180 81.1 AO
Donald DeVoise 99.2% $72,092 $36,199 91.0 Slav Bitman
Eno Iftiu 80.7% $165,554 $91,635 81.6 AO
XII Nicholas Chuma 132.6% $80,842 $34,751 80.0 S-S-Bendure-Hartwig

X XI XII XIII
Carlo Buhay 97.8% $92,169 $46,595 73.0 AO
Kingsley Ibeh 88.6% $20,268 $10,749 81.7 Dustin Venekamp
XIII Alexis Naranjo 638.4% $78,136 $10,582 81.3 Jesus Romero
JOHN SANTOSUOSSO ARIF HAJRO NICHOLAS CHUMA ALEXIS NARANJO Jennifer Ragan 287.2% $18,726 $4,836 77.3 AO
ROCHESTER, NY CORONA, CA COLUMBUS, OH HOUSTON, TX
Joseph McCallister 144.6% $42,618 $17,424 82.0 Simon Arias

ALL TIME RECORD: $1,348,288 Net ALP — MARK NEILSON

Spotlight recognizes the top three Regional General Agents in Categories I-XIII with positive growth. Figures reflect hierarchy transfer adjustments. The RGAs that will be recognized at the 2021 Awards Presentation are the top RGA
per category from Categories I-XIII based on Net ALP Growth (minimum 10%). Must have full year comparison benchmark objective to qualify. The YTD Spotlight number may not necessarily reflect that computation. Minimum quality
standards apply for recognition.
36 REGIONAL GENERAL AGENTS continued STATE GENERAL AGENTS 37

YTD
Category Growth Net ALP Benchmark NTG RET SGA

I Robert Janev 29.7% $5,183,855 $3,997,685 82.2 Sabrina Lloyd

EC EC
II David Carpenter 53.1% $4,968,488 $3,245,889 83.9 Dustin Venekamp
Matthew Diulus
III Tahis Quintero Bonilla
Brody Maughan-Evanson
Kimberly Hamilton
27.5%
83.3%
36.8%
36.3%
$3,990,285
$4,250,179
$3,157,055
$3,057,444
$3,130,480
$2,319,066
$2,308,405
$2,243,953
80.1
76.8
79.5
82.9
Simon Arias
Jesus Romero
Simon Arias
Brett Gryska
I SIMON ARIAS
II SABRINA LLOYD
III TOM WILLIAMS
IV NICK MOORE
IV Romal Omid 21.4% $2,388,247 $1,968,019 73.2 Mathew Hart
Randall Cook 16.1% $2,316,133 $1,994,249 78.1 Jamison Weatherspoon
Brandon Summerton 15.1% $1,870,987 $1,625,835 77.5 AO
V Scott Wheeler 41.2% $1,958,569 $1,387,234 82.3 Satti-Kanaan
Sara Vaz 38.6% $1,904,881 $1,374,224 77.5 AO
Bruce Viaje 36.4% $1,922,772 $1,409,931 80.4 AO
VI Andrew Bishop 82.0% $2,193,086 $1,205,236 87.0 AO
James Sodan 75.1% $2,227,421 $1,271,840 84.0 Nick Moore
Meaghan Krecsko 61.3% $1,984,024 $1,230,096 82.7 AO

V VI VII VIII
VII Mario Hajro 353.7% $4,778,981 $1,053,433 79.9 AO
Gregory Rudolph 85.1% $1,987,357 $1,073,718 81.5 Simon Arias
Duane Shaw 70.2% $1,874,912 $1,101,783 78.4 Sabrina Lloyd
VIII Adam Kidikas 55.9% $1,512,679 $970,052 86.8 Josh West JOSH WEST SLAV BITMAN CHAD DELEY KEVIN HOLTZ
Michael McKiernan 48.5% $1,310,541 $882,422 82.0 Dustin Venekamp
Taurean Flournoy 33.5% $1,160,747 $869,195 81.9 Weatherspoon-Harris
IX Tim McAdams 66.4% $1,396,009 $838,949 81.9 Weatherspoon-Harris
Gabriela Sime 58.5% $1,330,208 $839,025 81.3 Fisher-Zuzick
Chase Miller 48.3% $1,070,391 $721,726 78.7 S-S-Bendure-Hartwig
X Casey Kunash 142.2% $1,510,715 $623,712 78.7 Tommy Vena
Patrycja Grudzinska 142.2% $1,746,387 $721,150 81.0 Sabrina Lloyd
Mark Bernsdorff 132.5% $1,384,382 $595,559 81.5 Simon Arias
XI Eno Iftiu 354.6% $2,395,728 $526,996 81.6 AO
Arif Hajro 209.6% $1,725,971 $557,513 81.1 AO

IX X XI
Raul Rojas 59.1% $798,948 $502,128 75.5 Jose Carvajal
XII Brandon Minor 114.6% $791,852 $368,961 88.6 AO
William Parmeter 113.8% $795,954 $372,251 79.5 Brett Gryska
Darrin Roberts 100.9% $747,993 $372,262 80.6 Michael Vasu FISHER-ZUZICK KRIS THIEME CHAD POTTS
XIII Alexis Naranjo 478.5% $1,368,203 $236,500 81.3 Jesus Romero
Conner White 289.0% $460,034 $118,250 88 Arias-Dlabik
Alon Barnur 222.5% $361,980 $112,225 89.1 AO

ALL TIME RECORD: $9,042,633 Net ALP — MATTHEW PARKS

TOP % OF NET ALP OBJ
EC = 2021 Executive Council Member

Spotlight recognizes SGAs in Categories I-XI based on positive Net ALP Growth and Cat XII based on % of Net ALP Objective (minimum
100%). The SGAs that will be recognized at the 2021 Awards Presentation are the top SGA per category from Categories I-XI based on Net
ALP Growth (minimum 15%) and Cat XII based on % of Net ALP Objective (minimum 100%); the YTD Spotlight number may not necessarily
reflect that computation. SGAs must be in their current category a minimum of 6 months to compete for YTD awards. Minimum quality
standards apply for recognition.
KRIS THIEME
Category X
191.6
38 STATE GENERAL AGENTS continued 39

NOVEMBER YTD
Category % Net Obj Net ALP Net ALP Obj NTG RET % Growth Category % Net Obj Net ALP Net ALP Obj NTG RET % Growth
I Simon Arias 67.7 $1,202,238 $1,776,400 80.0 49.7 I Dustin Venekamp 102.0 $7,948,233 $7,791,100 81.9 15.1
Dustin Venekamp 87.9 $532,674 $605,900 81.9 23.4 AO 97.6 $59,290,358 $60,728,900 81.5 15.1
S-S-Parks-Salvaggi 98.8 $1,026,898 $1,039,200 84.6 16.2 S-S-Parks-Salvaggi 92.2 $13,807,569 $14,980,200 84.6 5.4
S-S-Bendure-Hartwig 90.8 $442,724 $487,600 84.0 3.3 Simon Arias 89.3 $17,726,118 $19,845,800 80.0 1.3
AO 70.9 $4,326,374 $6,105,700 81.5 2.7 II Sabrina Lloyd 123.7 $7,244,073 $5,857,100 81.9 41.4
II Sabrina Lloyd 95.2 $614,597 $645,400 81.9 45.4 Brett Gryska 91.1 $5,788,832 $6,353,600 83.6 2.9
Brett Gryska 95.2 $546,524 $574,300 83.6 4.4 Beto Quintero 76.5 $4,783,682 $6,254,800 83.6 -10.6
Beto Quintero 72.7 $450,795 $619,700 83.6 -8.3 III Arias-Dlabik 118.6 $3,695,958 $3,117,300 83.0 36.0
III Tom Williams 139.0 $425,476 $306,100 80.6 114.7 Cohen-Velasquez 106.4 $5,008,589 $4,709,300 82.7 21.2
Mathew Hart 99.3 $339,786 $342,100 77.5 74.6 Satti-Kanaan 101.8 $4,009,176 $3,939,000 82.9 12.4
Satti-Kanaan 91.4 $327,502 $358,500 82.9 30.3 Tom Williams 102.7 $3,420,525 $3,331,100 80.6 12.2
Cohen-Velasquez 101.8 $482,225 $473,800 82.7 7.0 Mathew Hart 91.8 $4,225,080 $4,603,700 77.5 6.7
Jamison Weatherspoon 84.5 $285,597 $338,000 79.9 6.9 Jamison Weatherspoon 89.7 $3,600,045 $4,015,000 79.9 0.8
IV Nick Moore 96.1 $287,856 $299,500 84.9 46.7 IV Jesus Romero 222.9 $6,701,097 $3,006,300 77.9 153.4
Cindy Furer 69.1 $189,312 $273,900 76.6 3.8 Nick Moore 146.3 $3,667,816 $2,507,600 84.9 65.5
Philip Prata 94.3 $244,650 $259,400 80.9 2.5 Ernest Powell 118.0 $3,074,238 $2,604,300 76.8 35.8
V Josh West 136.1 $234,043 $172,000 85.6 64.0 Philip Prata 92.4 $2,428,716 $2,627,200 80.9 2.6
Williams-Akinade 89.4 $41,678 $46,600 95 41.1 V Josh West 135.7 $2,719,123 $2,004,500 85.6 54.9
Weatherspoon-Harris 89.7 $170,734 $190,400 81.9 31.6 Laura Fisher 96.5 $2,334,789 $2,419,900 81.8 12.5
James Cunningham 116.9 $176,765 $151,200 80.5 18.3 Weatherspoon-Harris 94.9 $2,204,036 $2,322,700 81.9 4.9
Laura Fisher 85.7 $188,663 $220,100 81.8 14.9 James Cunningham 88.7 $1,845,586 $2,079,600 80.5 1.1
VI Slav Bitman 126.9 $170,824 $134,600 87.3 66.2 VI Hemerson Gonzalez 129.0 $3,565,081 $2,764,600 73.8 47.0
Giddens-Giddens 85.5 $138,318 $161,700 83.2 42.8 Ryan Bisanz 114.0 $2,030,266 $1,780,400 76.9 29.4
Ryan Bisanz 89.5 $161,134 $180,100 76.9 -3.5 Slav Bitman 106.9 $1,897,909 $1,775,500 87.3 21.8
VII Chad Deley 105.7 $89,925 $85,100 80.0 111.4 Brian Schreiter 100.0 $1,638,015 $1,637,500 82.8 12.4
Souley Bah 82.7 $97,405 $117,800 80.9 27.8 Giddens-Giddens 96.8 $1,557,958 $1,609,200 83.2 10.7
Andrew McQuade 131.2 $292,981 $223,300 84.0 26.5 VII Andrew McQuade 186.4 $3,058,939 $1,641,500 84.0 107.2
Tiffany Wagner 95.0 $118,757 $125,000 81.8 11.3 Andre McCallum 93.2 $1,187,491 $1,274,100 77.5 -1.2
VIII Kevin Holtz 133.3 $150,682 $113,000 81.3 70.3 Chad Deley 85.2 $1,181,157 $1,385,800 80.0 -2.0
AO-Lorence 94.4 $79,397 $84,100 84.5 39.4 VIII Greg Graham 104.2 $1,387,449 $1,331,600 73.8 17.4
Greg Graham 86.6 $126,904 $146,500 73.8 28.7 Kevin Holtz 101.1 $1,384,383 $1,369,300 81.3 14.6
Chalom-Chalom 92.2 $139,919 $151,800 84.9 5.5 Chalom-Chalom 100.1 $1,308,558 $1,306,800 84.9 13.4
Hart-Lewicki 69.0 $76,496 $110,800 82.6 0.9 Saavedra-Longino 92.3 $1,226,541 $1,328,300 83.8 3.3
IX Fisher-Zuzick 145.7 $153,604 $105,400 81.3 171.2 IX Fisher-Zuzick 139.2 $1,330,683 $955,700 81.3 56.7
Jay Washington 76.7 $62,164 $81,000 76.1 40.7 Blake Ralston 122.7 $1,327,826 $1,082,300 81.0 39.7
Albert Serur 62.4 $118,972 $190,700 80.4 37.3 Denis-Michael Catalano 122.2 $1,371,108 $1,121,700 81.7 38.7
Blake Ralston 89.4 $93,726 $104,800 81.0 14.1 Byron Paz 109.5 $1,235,313 $1,127,700 80.1 26.3
Byron Paz 111.4 $94,572 $84,900 80.1 14.1 Jay Washington 93.0 $979,520 $1,052,700 76.1 9.3
Denis-Michael Catalano 100.1 $128,230 $128,100 81.7 13.3 X Tommy Vena 194.3 $2,042,036 $1,051,150 78.7 136.9
* X Kris Thieme 191.6 $109,200 $57,000 83.3 212.3 Evan Holzhauer 106.5 $954,082 $896,100 80.0 21.6
Tommy Vena 170.3 $258,358 $151,700 78.7 62.9 Kris Thieme 102.9 $816,115 $792,900 83.3 17.8
Mark Beckford 82.8 $34,757 $42,000 81.4 35.3 London Nelson 90.2 $747,071 $828,300 77.2 2.1
Evan Holzhauer 101.0 $78,781 $78,000 80.0 29.0 XI Moswen Taylor 109.2 $798,178 $731,100 84.4 26.4
John Young 97.6 $84,683 $86,800 83.3 2.5 Cisco Perez 76.8 $549,900 $716,100 75.1 -13.4
XI Chad Potts 105.2 $59,411 $56,500 73.3 12.8 Chad Potts 75.3 $573,916 $762,200 73.3 -14.7
Moswen Taylor 75.6 $53,268 $70,500 84.4 -1.9 XII San Antonio Latino Division 703.2 $2,267,791 $322,500 74.6 N/A
Cisco Perez 54.8 $33,523 $61,200 75.1 -32.3 Fort Worth Latino Division 635.0 $2,258,519 $355,650 80.4 42827.2
* XII Fort Worth Latino Division 429.4 $140,426 $32,700 80.4 2569.0 Almeida-Graham 132.4 $213,465 $161,250 93 N/A
* San Antonio Latino Division 401.0 $129,338 $32,250 74.6 N/A Jeremy Rivers 102.1 $395,130 $387,000 80.3 130.8
Adel Al Choufi Naim 124.4 $66,331 $53,300 96 N/A Capozucca-H-W 97.8 $167,365 $171,100 98 N/A
Gabriel Feldmann 118.3 $38,146 $32,250 80.9 29.0 Gabriel Feldmann 97.2 $512,062 $526,950 80.9 16.9
Jeremy Rivers 109.4 $35,269 $32,250 80.3 20.6
Capozucca-H-W 107.1 $63,088 $58,900 98 N/A
Kanaan-Hamilton 104.0 $33,539 $32,250 91 N/A
Almeida-Graham 101.6 $32,760 $32,250 93 N/A
40 PUBLIC RELATIONS 41

INDIVIDUAL REPS: NOVEMBER INDIVIDUAL REPS: YTD

CATEGORY I CATEGORY II CATEGORY III Category Rank Cards Obj % Obj Category Rank Cards Obj % Obj
I 1 Pam Monetti 2,796 1,348 207.5% I *1 Malka Arony 40,391 30,768 131.3%
2 Robin Andrade 1,969 1,662 118.5% 2 Chuck Hill 23,347 18,766 124.4%
3 Malka Arony 2,972 2,797 106.2% 3 Pam Monetti 17,370 14,824 117.2%
II 1 George Farenthold 2,126 1,149 185.1% II *1 Lori Vaughn 12,830 12,077 106.2%
2 Lori Vaughn 1,603 1,098 146.0% 2 Brenda Wadey 13,258 12,757 103.9%
3 Brenda Wadey 1,572 1,160 135.6% 3 Tony Anderson 12,321 12,150 101.4%
1 2 1 2 1 2 III 1 William Rol 1,708 929 183.8% III *1 Krissa Hensley 12,605 10,331 122.0%
PAM MONETTI ROBIN ANDRADE GEORGE FARENTHOLD LORI VAUGHN WILLIAM ROL CARMELLA SWANSON 2 Carmella Swanson 1,816 1,060 171.3% 2 Mark Gagliardi 11,760 10,409 113.0%
BUNKER HILL, IL KINGSTON,MA WASHINGTON, DC PORTLAND, OR HONOLULU, HI RANCHO SANTA MARGARITA, CA
3 Patrena Smith 1,522 917 166.0% 3 Lisa Bennett 10,865 10,386 104.6%
IV 1 Donna LaMontagna 1,914 806 237.4% IV *1 Larry Lozano 12,692 9,697 130.9%
2 Larry Lozano 1,455 882 165.1% 2 Cindy Kunce 10,394 9,840 105.6%
CATEGORY IV CATEGORY V CATEGORY VI 3 Lisa West 935 847 110.4% 3 Lisa West 8,315 9,317 89.2%
V 1 Mark Flemm 1,533 618 247.9% V *1 Maria Siero 15,356 8,599 178.6%
2 Laurie Gruber 1,592 717 222.1% 2 Al Wall 10,081 8,525 118.3%
3 Maria Siero 987 782 126.3% 3 Mark Flemm 5,779 6,801 85.0%
VI 1 Steve Orcherton 1,083 564 192.2% VI *1 Hector Cortez 9,112 6,013 151.5%
2 Kelly Penick 1,020 577 176.8% 2 Kelly Penick 9,348 6,347 147.3%
3 Hector Cortez 860 547 157.3% 3 Cas Robinson 7,985 6,262 127.5%
1 2 1 2 1 2
VII 1 Jessica Christersson 605 518 116.7% VII *1 Randy Stockley 6,733 5,395 124.8%
DONNA LAMONTAGNA LARRY LOZANO MARK FLEMM LAURIE GRUBER STEVE ORCHERTON KELLY PENICK 2 Bryan Uhl 491 470 104.5% 2 Jessica Christersson 6,545 5,701 114.8%
OAK BROOK, IL SAN JOSE, CA LEECHBURG, PA HAMMOND, WI VICTORIA, BC FORT WORTH, TX
3 Annabelle Busia 392 470 83.5% 3 Donna Altshue 6,185 5,626 109.9%
VIII 1 Patrick Duray 1,736 458 378.8% VIII *1 Patrick Duray 7,962 5,042 157.9%

CATEGORY VII CATEGORY VIII 2 Michael Palermo

3 Noel Robbins
1,534
933
458
458
334.7%
203.6%
2 Noel Robbins
3 Cheryl Cook
5,897
5,593
5,042
5,041
117.0%
110.9%
Rookie 1 Annabelle Busia 392 470 83.5%
ALL TIME RECORD: 61,879 Cards — DENISE BOWYER
IceBreaker 1 Patrick Duray 1,736 458 378.8%

ALL TIME RECORD: 18,960 Cards

1 2 1 2
JESSICA CHRISTERSSON BRYAN UHL PATRICK DURAY MICHAEL PALERMO
CORAL SPRINGS, FL CHIPPEWA LAKE, OH BLAINE, MN QUINCY, MA
MANAGERS: NOVEMBER MANAGERS: YTD
Category Rank Cards Obj % Obj Category Rank Cards Obj % Obj
I 1 Christa Davis 11,784 8,508 138.5% I *1 Christa Davis 114,900 93,587 122.8%
FIRST SIGNED TG CATEGORY I CATEGORY II CATEGORY III
TOP MANAGERS

2 Judy Spade 5,536 5,819 95.1% 2 JT Tasker 64,944 73,655 88.2%

II 1 Morgan Breier 6,840 5,214 131.2% II *1 Katherine Pratt 59,520 56,299 105.7%
2 Katherine Pratt 5,719 4,826 118.5% 2 Dawn Trudden 56,751 61,623 92.1%
III 1 Lacy Martin 4,347 5,078 85.6% III *1 Lacy Martin 58,612 55,858 104.9%
2 Billy Sauers 48,123 50,833 94.7%

1 1 1
CELIA ODELL CHRISTA DAVIS MORGAN BREIER LACY MARTIN
NETTIE, WV SAN DIEGO, CA SWARTZ CREEK, MI HUNTSVILLE, TX

MOST ORIGINAL CARDS GENERATED: YTD

AL WALL
1 5,771 MARIA SIERO
2 5,208 CAS ROBINSON
3 4,618
PUBLIC RELATIONS CATEGORIES ARE AS FOLLOWS
1
Rep categories I-VIII assigned using an objective of average leads generated last two years, lead card standard or 5,500 leads whichever is greater. To be recognized, Rep must meet 80% of assigned objective. AL WALL
HOLLAND LANDING, ON
Manager categories I-III assigned using average lead production last two years for their respective territories. To be recognized, Manager must meet 80% of objective.
42
WORLD’S GREATEST BONUS 1,923
1,919
1,909
1,907
Nancy Djendji
Clayton Friday
Gary Slocum
Melissa Nguyen
1,657
1,656
1,654
1,650
Shawn Lewicki
Andrea Erwin
Brandon Brown
Dylan White
1,467
1,465
1,465
1,465
Rita Rider
Josefina Lugo
Jennifer Savino
Laura Picon
1,307
1,306
1,305
1,302
Timothy Copenhaver
Thomas Huynh
Igor Melcharek
Phoebe He
1,187
1,187
1,186
1,186
Jamie Beuschel
Aaron Music
Kempton Perry
Kenneth Barker
1,080
1,077
1,076
1,074
Leon Pickett
Dillon Kuehne
Michelle Johnson
Brooklyn Brooks
43

1,905 Marie Patton 1,643 Christina Babcock 1,464 Kolbie Lewis 1,302 Jamie Webster 1,184 Kwabena Antwi 1,071 Indira Bastardo
1,904 Conner White 1,634 Melissa Argomaniz 1,464 Mark Gray 1,301 Dawn Rouanzoin 1,182 Ricky Gandhi Quintero
1 2 3 4 5 1,902
1,902
Elio Mertiri
Katharine Thorne
1,630
1,629
Marvin Fernandez
Felicia Steele
1,463
1,463
Trace Cary
Stuart Pagan
1,300
1,299
Bernard Lackey
Matthew Hudlin
1,180
1,180
Bryce Hance
Matthew Hunsberger
1,070
1,070
Crystal Vairetta
Jessica Specht
1,899 Shane Gibson 1,621 Bryce Engstrom 1,461 Anthony Greco 1,291 Eric Peyton 1,178 Enoch 1,070 Michael Harvey
1,894 Sarah Padron Capote 1,619 Jacob Reiter 1,456 Korinne White 1,290 Karima Hartani Baiden-Nimene 1,069 Sydney Lofthouse
1,893 Andrew Chambers 1,617 Jabari Thompson 1,456 Stevie Lopez 1,289 Truman Falkner 1,175 Katty Silva 1,069 Nina Blackmon
1,891 Stephen Bowen 1,615 Tiffiney Harmouche 1,454 Julia Loboda 1,288 Srinivas Yerraganti 1,175 Samantha Hobbs 1,068 Amalia Martinez
1,890 Minh Phung 1,614 Bezawit Girma 1,454 Anthony Marsella 1,287 Kevin Phillips 1,172 Sarha Pericevic 1,068 Desiree Moore
1,889 Rosemery Gomez 1,606 Silas Merkel 1,449 Lori Hamel Johnson 1,287 Ryan Bevan 1,172 Brady Thompson 1,065 Scott Leathers
Castillo 1,605 Aaron Parks 1,446 Donald Wolak 1,286 Lindsay Belham 1,172 Aubrie Ray 1,065 Jonathan Conner
1,882 Xiomara Torres 1,604 Michael Mandella 1,446 Michael Dafoe 1,280 Kevin Beaver 1,172 Katrina Foley 1,065 Gregory Flynn
1,880 Donald Lewis 1,604 Kareem Mutia 1,446 Scott Florin 1,279 Ashley Frizzell 1,170 Jeremy Osborn 1,065 Jonathan Parham
Daniel Paravisini Trevor Bailey Oleg Novitchii Joseph Tomanovich Carmen Arroyo 1,874 Kathleen McArthur 1,602 Erika Torres 1,442 Brandine Floyd 1,276 Richard Lemay 1,169 Humberto Vivas Soto 1,065 Dameyan Chambers
$26,396 $21,512 $18,379 $14,511 $14,465 1,873 Jeffrey Tillman 1,595 Travis White 1,440 Tina Janti 1,275 Brett Murray 1,166 Sherrie McCarty 1,064 Trenton Osborne
AO Satti-Kanaan S-S-Parks-Salvaggi AO Theodore Pappas 1,870 Cathy Dishong 1,594 Genesis Rosario 1,438 Bailey Williams 1,266 Jonathan Rindt 1,163 Daoud Naser 1,063 Lincoln Dziekonski
1,869 Fritznel Octave 1,593 Ana Cimarosti 1,437 Jordan Miller 1,264 Alexandra Berberich 1,161 Franklin Montejo 1,060 Bryan Brasil
1,857 Victor Ledesma 1,589 Nicole Barabas 1,434 Alexandra Gasper 1,259 Maria Papilago 1,156 Mariah Cooper 1,059 Cherrish Taylor
1,855 Mason Tortorice 1,588 Ana Perozo 1,428 Ayme Fuenmayor 1,259 Ladara Willis 1,152 Preeti Sahgal 1,059 Marc Futterweit
1,850 Kelechi Anele 1,585 Greta Wilson 1,421 Sayed Hashimi 1,255 Yesenia Garcia 1,152 Ebou Jatta 1,058 Dorothy Ibe

November Bonus Leaders PAYOUT: $2,621,486 QUALIFIERS: 4,369 1,845

1,840
1,839
1,839
Manique Sala
Jason Goines
Tyler Boulden
Chris Lewis
1,584

1,584
1,583
Anibal Lopez
Hernandez
Cross Steplowski
Ethan Tolbert
1,420
1,418
1,412
1,411
Lauretta Bawo
Jacob Wordhouse
Amal Jawa
Cory Moncol
1,255

1,255
1,253
Juslivel Gonzalez
Rodriguez
Ashleigh Weir
Stephen Coons
1,152
1,151
1,147
1,145
Rafael Melendez
Nathan Hunt
Jonathan Pizzuto
Matthew Sturgis
1,057
1,057
1,054
1,054
Jadwiga Martins
Bryon Eddinger
Kaylee Sawyer
Holly Bonhorst
1,838 Leonardo Durangil 1,582 Meardey Kim 1,411 Jaime Rodriguez 1,252 Katy Rivera 1,139 Mackenzie Burchett 1,054 Tony Kleib
1,834 Brandon Neal 1,579 Tyler McKnight 1,407 Herivelto Pereira 1,252 Jordan Turchin 1,137 Tyler Ghormley 1,050 Amber Wade
26,396 Daniel Paravisini 4,725 Tomarus Burks 3,364 Elio Gomez 2,760 Zachary Hager 2,437 Michael Geyer 2,146 Kasali Kotun 1,829 Brittmarie Yarian 1,576 Rochelle Magpantay 1,407 Adriana Aboulwafa 1,251 Marc Dorceus 1,136 Jennifer Bragg 1,049 Veronica Britos
21,512 Trevor Bailey 4,620 Shantasia McCain 3,347 Sergio Santana 2,759 Scott Urbanowicz 2,425 Sione Maumau 2,144 Sarah Walter 1,827 Lance Cobbs 1,574 Keenan Pacheco 1,405 Carly Ferraro 1,250 Sherita Thompson 1,134 Luke Lopiccolo 1,048 Richard Tabanji
18,379 Oleg Novitchii 4,555 Brock Lampee Vargas 2,757 Aldo Ramirez 2,421 Carlos Colina 2,141 Jairo Cabrera Rojas 1,821 Snoor Qaradaghi 1,571 Uzochiamaka Nechi 1,403 Calene Rogers 1,248 Jennifer Jantzen 1,134 Lussie Hilton 1,047 Jin Chen
14,511 Joseph Tomanovich 4,495 Alex Jankowski 3,292 Andrew Brown Marinelli 2,411 Eric Butt 2,134 Yrmaly Lopez 1,820 Spencer Kozej 1,566 Ireland Sirni 1,400 James Butler 1,247 Candace Dean 1,133 Alan Arellano 1,047 Ashley Kopchak
14,465 Carmen Arroyo 4,451 Bruno Nuro 3,279 Funmilola Elumade 2,755 Jennifer Anthes 2,401 Ellen Tuttle 2,117 Charles Nacovsky 1,815 Logan Klink 1,562 Fabian Wilson 1,395 Babajide Obashoto 1,243 Michele Faul 1,133 Chabeli Aguiar Nodal 1,044 Edon Nevzadi
12,694 Connor O’Donnell 4,425 Joshua Notte 3,263 Mohammad Kachef 2,754 Muhammed Ashraf 2,390 Jose Yvimas Garcia 2,115 Joshua Bobb-Semple 1,815 Leonard Pedroso 1,561 Alexandra Lapensee 1,393 Benjamin Fleschler 1,240 Michael Carter 1,132 Becky Dunbar 1,043 Jordan Viaje
11,603 Kevin Ishikane 4,402 Michael van Delft Alghataa 2,738 Richard Carter 2,376 Bruce Tan 2,103 Garrett Amora 1,815 Nathan Labranche 1,558 Todd Landow 1,393 Tyler Hart 1,237 David Stuart 1,131 Emily Rogers 1,043 Matthew Code
11,444 Duni Olusegun 4,360 Marla Seicean 3,233 Mark Diskin 2,730 Jordan Hamrick 2,373 Carlos Jaimes Acosta 2,102 Jacqueline Higareda 1,813 Patrick Keohane 1,558 Holli Allien 1,388 Tanner West 1,234 Anna Senra 1,130 Christina Scanlon 1,043 David Bilotti
9,506 Damaris Trejo 4,337 Bryan Stoddard 3,232 Calvin Irving 2,730 Jasmin Hidalgo 2,371 Amindel Reyes 2,099 Harvey Quinn 1,808 Gabrielle Kolar 1,550 Amir 1,385 Victor Romero 1,228 Ivonne Leon 1,130 Mathew Kahwaji 1,041 Demarcus Oliver
9,503 Lily Sakai 4,226 Dina Boghdady 3,231 Emily Klich 2,729 Gunnar Jorstad 2,357 Salam Badri 2,098 Austin Rockall 1,795 Brent Henderson Iranidoosthaghighi 1,384 Alek Filtz Viviescas 1,127 Jaclyn Lafferty 1,040 Edgar Velasquez
8,572 Ashley Mysza 4,207 Jillian Getz 3,217 James Ganci 2,720 Karem Cogollo 2,352 Michael Giachetti 2,097 Lynn Jenkins 1,795 Dana Martin 1,547 Sarah Saleim 1,377 David Mayfield 1,228 Sofiya Hudzyk 1,123 Chilynn Acevedo Romero
8,524 Arturo Romero 4,197 Tony Georges 3,216 Khadijah 2,714 Steffanie Sainato 2,348 Eduardo Rivas 2,092 Sylvain Kalombo Gonzalez 1,546 Viktoriya Khyzha 1,374 Mark Lomonaco 1,226 Danny Juskiw 1,118 Alec Seibold 1,036 Peer Shmelzer
8,515 Joshua Dishong 4,190 Dillon Zartman Muhammad 2,701 Agnieszka Kusper 2,345 Andrea Buera 2,089 Anna Mirzaee 1,794 Lleison Martinez 1,543 Calvin Brewer 1,373 Sonia Tyner 1,222 Anaka Moss 1,117 Alan Sedaghat 1,036 Jonathan Russell
8,030 Nikolla Lulgjuraj 4,043 Katherinne Alfonzo 3,214 Alexander Gomez 2,697 Timipre Barigha 2,344 Pablo Solis 2,085 Madelanne Padron 1,794 Jose Andres Palomo 1,543 Aliya Russell 1,372 Ryan McIntosh 1,221 Michael Scarborough 1,116 Vanessa Rodriguez 1,035 Luciano Valero Vidal
8,015 Firat Ucar Zerpa 3,214 Klaudio Martinaj 2,687 Zindora Crawford 2,344 Charlie Bermudez 2,072 Joseph Michelin Rodriguez 1,539 Tucker Gregor 1,372 Nataly Zeitoune 1,219 Aaron Luczak 1,114 Jasmine Laramore 1,035 David Dubay
7,448 Abraham Mogilevsky 4,001 Alessandro Succurro 3,200 John Partipilo 2,655 Sophia Anderson 2,325 Daytona Hernandez 2,067 Kacee Sines 1,790 Stephen Smith 1,539 Sahrooz Hussain 1,371 Gavin Gambhir 1,217 Joaquin Santos 1,113 Cherneeka Bailey 1,034 Nasser Mattar
7,412 Adrienne Bragas 3,891 Todd Krupa 3,185 Alexandra Longo 2,653 Jonathan Da-Al 2,323 Janel Wilder 2,065 Stefani Miller 1,786 Troy Plummer 1,536 Samuel Holden 1,367 Yaury Victoria 1,216 Margo Smith 1,112 Joshua Hosenbold 1,034 Derek Sutherlin
7,271 Matthew Cessna 3,829 Ahmad Aqel 3,175 Karley Lopez 2,653 Zakiya Jones 2,323 Dmitry Pendro 2,058 Jenae Willis 1,772 Jakob Terry 1,534 Frederik Diaz Mata 1,366 Karli McCleery 1,216 Mark Ciurczak 1,112 Jerry Allien 1,033 Christine LaGambina
7,049 Joachim Jean 3,805 Christina Salvatore 3,172 Triston Miller 2,642 Amanda Dougherty 2,315 Tachane Joseph 2,056 Jairo Cabrera 1,768 Maria La Cruz 1,533 Henoch Roman 1,363 Joshua Hammond 1,213 Charles Belt 1,111 Allisa Louis 1,032 Xavier Thomas
6,882 Jenny Kim 3,783 Josh Spence 3,158 Derrick Mason 2,641 Gustavo Cardenas 2,304 Brendan Matcham 2,049 Reinaldo Martinez 1,762 Salaur Khorrami 1,530 Nathan Rogers 1,363 Landon Melgoza 1,213 Mike Reed Crisostomo 1,029 Leonardo Alsina
6,721 Ervin Metaj 3,731 Lashanda Taylor 3,155 Christabel Ornelas Gonzalez 2,298 Carlos Villalba Suarez 2,044 Maria Galvez 1,759 Stephanie Prince 1,525 Sergio Carta 1,360 Daniel Bean 1,213 Arnold Iacoviello 1,111 Patricia Santamarina 1,029 Mitchell Kellogg
6,473 Alipate Makaui 3,725 Joshua Elkins 3,082 Maziar Taghdiry 2,609 Diego Vargas 2,288 Marlene Barrett 2,042 Kristin Trammer Leon 1,524 Ricardo Basilio 1,357 Stephanie Olsen 1,212 Alejandro 1,110 Michael Stiemke 1,025 Allison Hadley
6,331 Roger Fung 3,683 Irma Gallardo 3,082 Bradley Christiansen 2,605 Hakan Ozalpasan 2,288 Tyler Teague 2,031 Kashala Guiden 1,759 Priscila Gonzalez 1,524 April Gibson 1,356 Marismely Wilhelm Mondragon 1,107 Jennie Pierce 1,025 Amanda Harris
6,130 John Curry 3,609 Robert Burns 3,079 Joey Kennedy 2,601 Jorge Villamizar 2,281 Nicholas Chuma 2,026 Chalisa Holmes 1,757 Kristopher Bour 1,519 Cash Sampson 1,355 Maria Montoya 1,210 Nouraddin Hussein 1,098 Jonathan Siregar 1,024 Eldine Mpanzu
6,120 Christian Gojcaj 3,587 Oscar Gastelum 3,060 Rubin Chaimov Cedeno 2,273 Donald Gregoire 2,009 Desmond Martin 1,756 Amy Shui 1,519 Brooklyn Herod 1,354 Gregory Northrup 1,210 Jeannieliza Solis 1,096 Kaleasha Pullicar 1,024 Brandon T Williams
6,110 Michelle Scourtos 3,578 Temesghen Starr 3,030 Justin Neal 2,590 Sofia Cedeno Leal 2,249 Margorie Mignogna 2,001 Marian Gerges 1,750 Dominick Nieves 1,514 Ryan Hritz 1,350 Kevin Mazzarelli 1,208 Faith Jones 1,095 Kingsley Hansen 1,018 Elizabeth Wallin
5,897 Alex Smith 3,554 Rebecca Amundson 3,005 Nicholas Beyer 2,571 Mariana Landaeta 2,244 Susana Vargas 1,999 Eric Ramirez 1,745 Waundlyan Pete 1,508 David Melendrez 1,349 Sherri Washington 1,207 Cashanna Harris 1,095 Robin Cole 1,017 Jessie Holland
5,458 Carrington Hanna 3,554 Kurt Evans 2,991 Andi Iftiu 2,570 Aaron Patt 2,244 Savannah Ontiveros 1,995 Kathryn Fell 1,742 Lauryn Winn 1,507 Katie Mitchell 1,347 Ross Ewen 1,207 Cristina Fox 1,095 Luis Soriano 1,017 Kelsey Whittaker
5,450 Marshall Fernandez 3,546 Bryan Juskiw 2,971 Jihad Ottallah 2,563 Todd Weinberg 2,242 Michael McKiernan 1,993 Mariana Morales 1,734 Tabetha Smith 1,506 Akram Mirahmadi 1,346 Nasibakhon Orduli 1,205 Carl Weydeman 1,094 Denis Snyder 1,014 Randa Mustafa
5,434 Matthew Zang 3,541 Jenny Anderson 2,967 Austin Ewing 2,558 Dulce Paz 2,242 Ian Pickett 1,991 Joseph Misleh 1,728 Brenda Coronado Shalamzari 1,341 Dawid Liniewski 1,204 John Witteman 1,094 Jonathan Villa 1,011 Mia Mitchell
5,417 Ladan Rahbary 3,526 Muhammad 2,939 David Rigney 2,557 Gregory Caldwell 2,240 Omar Hashimi 1,989 Kyiara Celmer 1,717 Cindy Ramirez 1,493 Howard Dotson 1,341 Noah Vongunden 1,204 Zinsou Ayihonsi 1,092 Micah McGhee 1,011 Jimmy Quifille
5,399 Alejandra Ramos Mansoor 2,929 DeAnthony Hartman 2,548 Pedro Colls Nunez 2,227 Riche Haye 1,987 Chakeena Martin 1,712 Jacob Rosinsky 1,492 Tyler Church 1,336 Octavio Gomez 1,203 Andres Garcia Gomez 1,092 Alicia Medina 1,010 Michael Colston
5,338 Phi Phan 3,489 Jennifer O’Donnell 2,917 Alon Barnur 2,542 Madelyn Sanders 2,223 Gabriel Rodriguez 1,970 Kelly Jones 1,709 Mariah Luquin 1,491 Meaghan Montoya 1,334 Justin Rydziel 1,201 Omar Flores 1,092 Joshua McTier 1,010 Ronke Olusegun
5,270 Jennifer Siregar 3,475 Anne Banco 2,916 Roger Fredericks 2,541 Hector Sartori 2,222 Ranjana Chopra 1,969 Juliya Ostapyuk Botello 1,490 Marina Ralls 1,332 Gerardo Gonzalez 1,200 Evan Lovely 1,090 Anglice Wills 1,010 Joseph Crivelli
5,115 Melinda Skinner 3,474 Chris Anderson 2,909 Roxana Duarte 2,538 Scott Jay 2,211 Lamarcus Jackson 1,969 Dustin Edgell 1,707 Sumarah 1,487 Bernardo Lopez 1,330 Charlotte Trecartin 1,200 Jordan Jones 1,090 Morvarid Tadayon 1,010 Matthew Thu
5,113 Nicholas Davis 3,470 Jose Matos Castillo 2,527 Ender Fernando 2,196 Kendall Wilson 1,967 Damon Sims Montas-Brown 1,483 Erica Lent 1,321 Seth Frisby-Jack 1,196 Ivoni Fuimaono 1,090 Marlen Ventura 1,009 David Watkins
5,111 Marvelie Sanchez 3,469 Ashkan 2,846 Jordon Graham Marcano Cardozo 2,192 Marivin Barboza 1,964 Henry Jacobs 1,705 Brenna Behan 1,483 Victoria Divinsky 1,317 Jesse Barker 1,196 Katharine Webb Morales 1,007 Devin Finley
5,089 Erald Tomorri Khoshmagham 2,838 Olivia Pitre 2,516 Michael Battaglio 2,186 Travis Carpenter 1,963 Jake Kim 1,704 Isaac Fuentes 1,483 Lidia Meglei 1,316 Sean Shephard 1,195 Dustin Dunbar 1,088 Anthony Clement 1,006 Patrick Locke
5,040 Aref Sayegh 3,445 Frank Ramirez 2,821 Godwill Barungi 2,503 Damon Stroup 2,186 Justin Sherman 1,950 Erin Gonzalez 1,685 Kristi Basho 1,482 Mitchell McLaughlin 1,316 Natalia Beltran 1,194 Chad Johnson 1,087 Nicholas Gomez 1,006 Nathan Smith
4,879 Pa Alieu Kasseh Orsetty 2,812 Francisco Morell 2,502 Tennison Mather 2,185 Jozef Tinaj 1,942 Heather Fowler 1,684 Sam Huber 1,481 Sadae Bey Hernandez 1,194 Anneli Brandt 1,087 Latasha Young 1,006 Sara Hart
4,800 Lamine Diakhate 3,445 Hernan Rodriguez Revilla 2,494 Maxon Elozier 2,181 Iranidys Rivas 1,939 Richard Sidoti 1,679 Zachary Magliaro 1,480 Jeffrey Funderburg 1,313 Sean Taylor 1,193 Dalton Cassavoy 1,085 Michael Locke 1,005 Connor Meakins
4,780 Alex Miller Becerra 2,809 Monica Lee 2,490 Shalom Gildin 2,167 Trace Johnson 1,938 Morgan Palmer 1,677 Jared Guglielmino 1,477 Sasha Oakes 1,312 Roberto Samano Diaz 1,192 Esmeralda Cruz 1,085 Luis Lamb 1,004 Natasha
4,778 Staci Brown 3,403 Ashley Rust 2,800 Imani Banks 2,489 Arianna DaLuz 2,157 Jose Cuellar 1,937 Sharon Eckenrod 1,676 Vivian Trinh 1,475 Zackarea Hakim 1,311 Catherine Fairchild 1,192 Agustin Park 1,083 Deanna Peart Carvalho-Miner
4,763 Max Quasem 3,400 Jesse Fullmer 2,795 Ariel McAlister 2,470 Ikram Al-Shobaki 2,154 Farnaz Fotovat 1,936 Nathalyn Sanchez 1,671 Julie Aprahamian 1,475 Eduardo Hernandez 1,310 Linda Marquez 1,191 Derrick Turner 1,083 Pierina Rangel 1,003 Al-Shakise Anderson
4,737 Joseph Sarasin 3,397 Sharon Potter 2,773 Henry Long 2,451 Sean Merritt Ahmadi 1,926 Tyler Henry 1,667 Stephen Davis 1,474 Elifranc Deus 1,309 Omaira Garces 1,189 Teresa Carver 1,080 Amanda Thompson 1,000 Ronald Vega Mauriz
4,734 Herlin Celicourt 3,372 Jordan Brown 2,762 Noella Coleman 2,445 Nicholas Liening 2,154 Miguel Marquina 1,924 Kim Tran 1,662 Denzil Latimore 1,468 Ruben Terrero Ramonez 1,189 Alan Jaime 1,080 Jack Hetherman
44
LEADERSHIP BONUS 45

1 2 3 4 5
1,985 William Dugan 1,552 Ashley Rust 1,276 Krystal Walters 1,002 Zachery McHattie 835 Reynolds Akuamoa 637 Brandy Llewellyn
1,983 Brandine Floyd 1,546 Lisa Lawrence 1,259 Cody Gardner 997 Alvaro Ramirez 823 Mycah Teagardner 633 Ashley Kopchak
1,975 Shantayia Williams 1,546 Richard Whyte 1,253 Brenda Fox Calderon 815 Jose Castillo 629 Jason Green
1,972 Alec Seibold 1,543 Montana McDonald 1,249 Daniel Foore 996 Lambert McElrath 805 Christopher P Filline 629 Morella Parejo
1,947 Yelitza Dominguez 1,541 Ebony Ortiz 1,248 Jordan Russell 974 Yehuda Makowitz 803 Tina Nelson 627 Genesis Rosario
1,937 Kristi Basho 1,535 Jorge Toribio 1,242 Sean Taylor 969 Brittmarie Yarian 794 Rex Munsey 626 Sione Maumau
1,935 Andi Iftiu 1,530 Taurean Flournoy 1,228 Cody Langston 969 Bruno Nuro 789 Joshua Notte 621 Xiomara Torres
1,925 Paula Thompson 1,526 Tyler Parker 1,217 Austen Oakes 963 Seth-Thomas 788 Alexis Naranjo 621 Kevin Kennedy
1,880 Joy Vann-Austin 1,510 Daniel Schwartz 1,208 Tiffany Bertao Ordeneaux 787 Dina Boghdady 619 Muzit Berhe
Ryan Stenglein Taulant Bane Mark Dushaj Yania Tineo Soto Elijah Brown 1,872 Fouad Gerges 1,505 Jessie Holland 1,178 Clayton Slaughter 962 Crystal Vairetta 787 Chad McLaughlin 616 Dwayne Gomez
1,871 Kasali Kotun 1,495 Joshua Goodman 1,175 Yelineth Godoy Latuff 957 Edon Nevzadi 756 Jose Anderson 598 Kyle VanBibber
$36,633 $35,132 $32,048 $27,690 $27,060
1,863 Ariana Jones 1,491 Adam Schaefer 1,173 April Baxter 954 Sarah Reay 756 Jissel Leal 597 Denise Serbantez
AO Dustin Venekamp AO Richardson Latino Division Andre McCallum
1,858 Jennifer Ragan 1,491 Gunnar Jorstad 1,146 Corey Helwig 953 Ashley Mysza 753 Kimbria Bracey 595 Miguel Diego
1,840 Carmen Pena 1,457 Roger Fredericks 1,144 Cameron Gray 953 Christopher Botelho 752 Stephanie Harris Esquivel
Guedez 1,448 Phoebe He 1,141 Jonathan Conner 950 Jennifer Spalding 752 Mark Lomonaco 589 Raul Pinto
1,838 Fatima Jaguros 1,441 Steven Dell 1,139 Candace Williams 948 David C Williams 752 Luis Guzman Millan 588 Asante Jackson

November Bonus Leaders PAYOUT: $1,875,445 QUALIFIERS: 845

1,828
1,823
1,812
1,799
Mathew Kahwaji
John Tong
Paul Kelly
Ross Ewen
1,435
1,422
1,422
1,419
Peer Shmelzer
Erica Robertson
Joseph Patterson
Kevin Butchino
1,139
1,137
1,134
1,132
Priscilla Blanco
Colin Ghee
Christy Anderson
Matthew Hunsberger
948 Mele Makaui
944 Gregory Caldwell
942 Cyan Kissinger
939 Andrew Bogeas
751
746
744
739
Behrad Baghbanian
Rosa Teixeira
Richard Tabanji
Tichina Haughton
587
576
575
558
Jason Ashline
Susana Vargas
Sirdaniel Turner
Oyindamola Falegan
1,795 Jake Yagjian 1,394 James Marks 1,121 Klaudio Merizaj 924 Zachary Poker 738 Gary Slocum 557 Luis Osorio Bello
1,784 John Lamere 1,390 Abigail Luna 1,120 Michael Castro 917 John Torres 738 Patricia Cicerale 547 Shane Valentine
36,633 Ryan Stenglein 7,361 Alfredo Garcia 5,172 Ian Rouleau 3,784 Nafic Djendji Abdel 3,218 Beau Minnick 2,689 Kelechi Anele 1,776 Priscila Gonzalez Rodriguez 1,120 Christopher Hintz 916 Julian Navalta 734 Melinda Skinner 543 Evelyn Romero
35,132 Taulant Bane 7,277 Samy Jacques 5,098 Donald DeVoise Khalek 3,209 Alan Sedaghat 2,643 Michelle Gould 1,766 Cartiza Rojas 1,383 Jonathan Giaco 1,116 Tyler Church 908 Tabitha McDermid 728 Thomas Wright 541 Timothy Welsh
32,048 Mark Dushaj 7,163 Anton Ljuljdjuraj 5,071 Jonathan Rindt 3,741 Susana Al Choufi 3,207 Jennifer Jantzen 2,634 Rafael Medina 1,762 Dianka Blash 1,375 Travis White 1,110 Aaron Patt 904 Steve Svendson 728 Ryan Jarvie 538 Kurt Evans
27,690 Yania Tineo Soto 7,115 Ed-Maggie Myrthil 5,052 Martin Salavec Naim 3,188 Michael Wright 2,622 Sean Smith 1,735 Gianni Toma 1,370 Pablo Solis 1,108 Stephanie Burghardt 896 Ebou Jatta 714 Skay Nusenu 537 Danial Arif
27,060 Elijah Brown 7,110 Moriah Chandler 5,006 Bobby Hamilton 3,729 Tyler Teague 3,178 Marcus Moody 2,592 Jesse Rennich 1,716 Laura Graham 1,364 Josh Spence 1,096 Mason Sanchez 893 Sean Gillespie 706 James Hinton 532 Mark Diskin
24,131 Eno Iftiu 7,038 Dustin Dunbar 4,973 Ryan Wilson 3,716 Adalberto Paz 3,177 Cole Hatfield 2,590 Lubraska Iguaro 1,716 Matthew Sutton 1,361 Bryce Engstrom 1,086 Marsei Hogan 893 Anizabeth Parra 706 Eduardo Peraza 527 Tecole Smith
23,441 Joseph Tomanovich 6,960 Katie Stahulak 4,874 Alipate Makaui 3,700 Jordan Stelzer 3,169 Maria Martinez 2,589 Johnny Fuller 1,711 Ameenah Little 1,353 Karlie Howard 1,060 Rebecca Patterson Gonzalez Ramos 521 Joshua Reyes
22,344 Zach Otto 6,947 James Sodan 4,842 Nairobi Contreras 3,691 Matthew Diulus 3,160 Darrin Roberts 2,553 Ryan Crawford 1,700 Anthony Salerno 1,352 Ayana Hill 1,050 Alexandra Jaeger 886 Craig Strompf 695 Peter Barany 518 Steven Roberts
21,657 Patrycja Grudzinska 6,945 Jake Gelb 4,811 Stephen Jeung 3,674 Alberto Alcala 3,159 Phillip Rigoli 2,545 Brendan Suranyi 1,694 Sean Blaney 1,350 Lawrence Smith 1,047 Aaron Friedlander 875 Kade Beck 686 Ashley O’Donal 514 Brinsley
21,472 Eric Thompson 6,857 Matthew Turnquist 4,755 Jenny Kim 3,667 Andrew Hynan 3,127 Seth Frisby-Jack 2,539 Danny Juskiw 1,682 Christopher Gilbert 1,333 Jeffrey Hall 1,045 Victoria Lindner 874 Ruben Terrero 680 David Rigney Maughan-Evanson
18,680 Mark Neilson 6,779 Melissa Sidoti 4,746 Patrick McKeown 3,663 Mac Duddy 3,108 Mark Auvil 2,535 Tyler Boulden 1,648 Rachael Glamp 1,332 Joshua Bacchus 1,043 Sonia Tyner 872 Nelson Desmond 680 Tammy Gawron 514 John Catalano
18,392 Arturo Romero 6,724 Vincent Massari 4,739 Maria Elisa Moros 3,653 Morgan Tranquist 3,100 Jeremiah Russin 2,532 Peter Gabranski 1,638 Jesus Parra 1,325 Evan Donoghue 1,042 Arnessa Beamon 872 Kalie Mendrek 673 Richard Zuccato 513 Robin Gonzalez
17,031 Arif Hajro 6,672 David Carpenter Ojeda 3,606 Brian Jerome 3,069 Maria Bonilla 2,503 Jorge Caridad 1,625 Nabil Atallah 1,323 Sara Hart 1,034 Alyssa Shamsi 870 Elvis Cartaya 666 Rodney Taylor 513 Juan Leonardo
15,542 John Vacca 6,649 Lauren Vassallo 4,739 Zinsou Ayihonsi 3,593 Doron Freud Borrego 2,477 Timothy Bugge 1,623 Mickey Adkins 1,323 Mark Reilly 1,034 Monica Montgomery 867 Ileana Tineo 665 Razan Zarba 507 Molly Remhof
15,513 Tami Chaimov 6,622 Iv Menache 4,727 Michael Burningham 3,552 Jeffrey Espinal 3,068 Christina Shanno 2,469 Matthew Hudlin 1,603 Anthony 1,320 Agnieszka Kusper 1,031 Gerardo Gonzalez 867 Vanessa Farias 664 Matthew McDowell 507 Tevin Overton
14,816 Daniel Li 6,609 Ahmed Kassem 4,719 Taleb Jammoul Hajali 3,529 Noe Perez Baldwin 2,468 Axel Carrasquel Mazurkewicz 1,314 Joshua Jackson 1,022 Roy Stephens 864 Elyse Bryan 661 Sky Plunkett 506 Asiguy Haugabook
14,163 Joe Lewo 6,573 Johnny Ly 4,701 Daryl Graham 3,529 Kelly Ekker 3,065 Justin Diaz 2,460 Daniel Ramirez 1,595 Danisabel Rodriguez 1,312 Ryan Slone 1,014 Patrick Donovan 861 Rana Shirer 661 Richard Phaturos 502 Sabrina Levi
13,665 Matthew Conrad 6,528 Justin Adams 4,681 Britton Costa 3,498 Damen Hartwick 3,040 Alejandra Ramos 2,444 Amanda Ashley 1,584 Aliya Johansen 1,311 James Sherwood 1,013 Kwabena Antwi 855 Christopher Rolph 658 Thomas Huynh
13,534 Joshua Olin 6,490 Mark Lahijani 4,651 Jenna Grula 3,488 Jovanie Scarlett 3,038 Doris Martinez Garcia 2,408 Sabrina 1,582 Arianna DaLuz 1,304 Jeffery May 1,013 Nicole Wright 848 Erald Tomorri 657 Kempton Perry
13,385 Clint Perry 6,490 Zachery Kertulis 4,646 Danny Souri 3,465 Francesca Veltri 3,001 Heriberto Chavez Kryshundayal 1,573 Katharine Thorne 1,298 Vivian Trinh 1,012 Shonda Duckett 847 Tyler Worstell 656 Tommica Gibson
12,915 Daniel Prinzo 6,484 Rielly Maher 4,633 Alon Barnur 3,451 Carey Hartman 2,994 Sean Shephard 2,382 Samuel Artzis 1,568 Brandon Summerton 1,295 Myaa Fallon 1,007 Nicki Griffiths 840 Avion Johnson 655 Mark Banks
12,640 Paul Samra 6,315 Andrew Bishop 4,602 Brent Bowling 3,412 Sergio Carta 2,985 Eric Snyder 2,352 Ragih Murshed 1,566 Leonardo Alsina 1,293 Daniel Perkins 1,003 Andrea Caridad Perez 840 Alyssa Libby 641 Ireland Sirni
12,229 Jose Aranguren 6,306 Luis Velasquez 4,552 Jeffery Thiel 3,411 Massoud Vaziri 2,981 Saury Espaillat 2,304 Ryan Hall
11,730 Carlo Buhay 6,281 Klaudio Martinaj 4,550 Kevin Appasamy 3,407 William Parmeter 2,970 Thor Leighton 2,279 Morgan Lobello
11,719 Stella Roznovan 6,225 Kimberly Hamilton 4,496 Sara Vaz 3,398 Connor O’Donnell 2,962 Brandon Hughes 2,249 Tanner Duy
11,709 Jessica Chang 6,134 Gregory Rudolph 4,492 Magda Figueiredo 3,383 Cara DeFiore 2,932 Benci Lavorini 2,241 Marcos Mendoza
11,031 Blake Higuchi 5,948 Luay Ghawi 4,487 William Thomas 3,383 Antonino Taormina 2,899 Devon Chapman Cedeño
10,893 Chris La Fond 5,817 Steven King 4,466 Adem Abdula 3,382 Kenneth Barker 2,888 Jesse Fullmer 2,236 Anthony Solano
10,867 Duane Shaw 5,773 Gabriel Rocha 4,438 Melinda-Rae Lyse 3,381 Pedro Lemos 2,887 George Shafiek 2,168 Ian Zollos
10,400 Edward DeFurio 5,758 Aaron Piotrowski 4,320 Steve Bryant 3,370 John Schaeffer 2,881 John Collins 2,165 Jhanna Valerio Vivas
10,218 Daniel Pacheco 5,736 Ashley Clarke 4,275 Daniel Orr 3,359 Rita Rider 2,847 Phi Phan 2,163 Bryant Logan
9,868 Gabriela Sime 5,727 Meaghan Krecsko 4,267 Adrain Alfred 3,342 Derek Foore 2,843 Joshua Egyud 2,150 Havis Alvarado
9,757 Adianeza Rodriguez 5,711 Joseph Rotolo 4,220 Daniel Umbertone 3,340 Augusto Arango 2,843 Adrienne Bragas 2,142 Laila Abadi
9,662 Mark Bernsdorff 5,693 Omar Billy 4,214 Elias Boles 3,320 Ryan Fickert 2,836 Venus Grier 2,133 Ryan Hritz
9,533 Bobby Gujral 5,622 Chalisa Holmes 4,131 London Burnett 3,301 Tyler Ortiz 2,835 Eddie Gonzales 2,126 Travis Kovach
8,480 Scott Wheeler 5,588 Raul Rojas 4,085 Marisa Willgruber 3,297 Lorena Barriere 2,834 Jacob Krakora 2,115 Drake Smith
8,452 Brody 5,563 Troy Williams 4,080 Mohamed Shogar 3,273 Nelly Cuba De 2,824 Justin Hermann 2,078 Enid Franco
Maughan-Evanson 5,548 Victoria Lewis 4,029 Spencer Kozej Tabares 2,811 Christopher Larsen 2,071 Anthony Marsella
8,420 Jean M Joseph 5,538 Jozef Tinaj 4,028 Matthew Ward 3,271 Kelly Schoenherr 2,808 Adam Wheeler 2,063 Joey Almeida
8,397 Bruce Viaje 5,427 Zackarea Hakim 4,013 Joseph McCallister 3,266 Michelle Olivo 2,797 Andreina Atencio 2,057 Conor Markins
8,090 Nicholas Chuma 5,385 Phillip Waisman 3,968 Michael McKiernan 3,262 Kamal Tayyib Prado 2,050 Hasan Ghazal
8,069 Travis Picklesimer 5,372 Norvi Belisario 3,951 Jadelene Welty 3,258 Joshua Wang 2,794 Andrew Chambers 2,046 Giovanni Diduro
7,900 Jillian Getz 5,349 Chilynn Acevedo 3,912 Michael Romero 3,253 Steven Warner 2,775 Nicole Herrin 2,035 Diego Vargas
7,696 Daniel Zotter 5,261 Brandon Minor 3,860 Jeffrey Hudson 3,238 Michael Jang 2,760 Nicole Preston 2,032 Cash Sampson
7,657 Bledar Bane 5,232 Ervin Metaj 3,858 Erin Allen 3,233 Timothy Wilson 2,722 Slavita Hut 2,020 Toni-Ann Allen
7,633 Darrell Asbell 5,204 Christian Gojcaj 3,827 Jean Romero Capote 3,219 Angel Caridad 2,701 Jason Bratin 2,011 Jessica Santamarina
46
RGA LEADERSHIP BONUS SA/GA DIRECT CODE FIELD TRAINING BONUS 47

1 2 3 1 2 3 4 5

Mario Hajro Robert Janev Mark Neilson Luis Barbaresco Garcia Johan Tabares Gordillo Jose Aranguren Carlos Frias Caraballo Sean Taylor
$78,500 $54,868 $53,361 $20,988 $12,229 $10,599 $9,586 $8,584
AO Sabrina Lloyd AO Richardson Latino Division Richardson Latino Division Richardson Latino Division Richardson Latino Division Henderson-Locker

November Bonus Leaders PAYOUT: $990,553 QUALIFIERS: 164 November Bonus Leaders PAYOUT: $491,961 QUALIFIERS: 663

20,988 Luis Barbaresco 2,029 Ashley Kopchak 1,420 Ronald Rodriguez 1,096 Jordan Hamrick 839 Mary Smith 641 Yolamar Picon Mora
78,500 Mario Hajro 10,407 Ashley Clarke 5,618 Brandon Baker 3,362 Kelly Ekker 2,319 Ronald Rivera 1,148 Samantha Ralston
Garcia 2,026 Xavier Evans Garcia 1,096 Jessica Specht 831 Emily Klich 639 Trayvontae Allen
54,868 Robert Janev 9,902 Bobby Hamilton 5,378 Bruce Viaje 3,330 Tim McAdams 2,285 Bryan Juskiw 1,088 Daniel Umbertone
12,229 Johan Tabares 2,014 Agnieszka Kusper 1,418 Andrea Schmitt 1,092 Jojuan Wilson 818 Alyssa Buchite 638 Ireland Sirni
53,361 Mark Neilson 9,707 Christopher Hintz 5,210 Matthew Conrad 3,298 Taurean Flournoy 2,214 Alexis Gomez 1,023 Aaron Parks
Gordillo 2,004 Amindel Reyes 1,413 Ryan Martin 1,081 Salaur Khorrami 815 Julian Navalta 636 Amanda Dougherty
41,925 David Carpenter 9,556 Eric Thompson 5,182 Zach Otto 3,296 Morgan Lobello 2,167 Amr Shater 1,021 Michael Cirelli
10,599 Jose Aranguren 1,985 Valentina Fernandez 1,407 Matthew Kerfoot 1,062 Nicholas Micare 811 Genesis Rosario 635 Jared Romero
33,557 Corey Helly 9,419 James Sodan 5,173 Andy Batten 3,110 Jake Yagjian 1,933 Ryan Fickert 1,012 Jonathan Phillips
9,586 Carlos Frias Caraballo Alvarez 1,404 Candice Seabrooks 1,054 Amanda Ashley 810 Tammy Gawron 634 Silas Merkel
24,856 Joshua Olin 9,360 Raymond Risucci 5,140 Pedro Lemos 3,045 Peter Kwiatkowski 1,906 Erin Allen 938 Brenda Fox
8,584 Sean Taylor 1,975 Maurice Brown 1,400 Joseph Hogue 1,039 Bezawit Girma 810 Victor Jadoo 629 Alexander Gross
24,354 Daniel G Johnson 8,796 Joseph Tomanovich 4,884 Jessica Chang 3,045 Kimberly Hamilton 1,883 Yussuf El-Zein 931 Darrin Roberts
7,858 Danny Souri 1,957 Katie Stahulak 1,386 Christina Salvatore 1,034 Sabrina Agostini 801 Patrina Thomas 611 Tysen Banks
23,073 Mike Paragiou 7,964 Sara Vaz 4,814 Gabriela Sime 3,043 Joseph Rotolo 1,864 Veronica Coval 928 Mayra Robles
7,065 Isiah Brown 1,947 Susana Vargas 1,377 De’Carleon 1,033 Kyle Mulzer 796 Patricia Santamarina 610 Jacob Krakora
20,991 Walter Icaza 7,363 Matthew Turnquist 4,814 Joshua Jackson 3,022 Clint Perry 1,852 Jeffrey A Smith 863 Stuart Pagan
5,732 Anna Mirzaee 1,907 Minh Phung Townsend 1,031 Amber Thompson 789 Sara Hart 609 Andrew Ball
20,579 Reynolds Akuamoa 7,283 Cody Gardner 4,588 Patrick Knouse 3,006 Anizabeth Parra 1,845 Phillip Waisman 832 Mark Bernsdorff
5,707 Mario Borino 1,895 Ebony Ortiz 1,373 Tyler Lefebvre 1,031 Jose Matos 789 Aaron Patt 601 Tyler Tasa
19,462 Darcy Schrieber 7,262 Tony Geer 4,518 Justin Sutton Gonzalez 1,836 Tiffany 825 Daryl Graham
4,685 Brandy Llewellyn 1,885 Dalton Cassavoy 1,360 Kevin Valentin Ross 1,030 Imani Banks 781 Sumarah 601 Jacob Krieger
17,872 Astrid Castrillon 7,228 Derek Foore 4,391 Steve Bryant 2,944 Andrew Chambers Babin-Washington 795 Bobby Park
4,293 Bledar Bane 1,881 Maria Papilago 1,350 Richard Sidoti 1,020 Jonathan Lu Montas-Brown 594 Ashley Douglas
15,267 Bobby Gujral 7,120 Sokol Fazliu 4,387 Paul Kelly 2,932 Johnny Ly 1,829 Brandon Minor 769 Daniel Perkins
4,204 Zakiya Jones 1,873 Haeli Morris 1,350 Sean McGuigan 1,018 Tyler Church 768 Brendan Matcham 593 Kyle VanBibber
14,781 Tahis Quintero 6,927 John Santosuosso 4,367 Ryan Stenglein 2,875 David Rigney 1,818 Michael Gerstein 676 Michael Burningham
4,085 Diana Navarro 1,851 Staci Brown 1,345 James Hill 1,006 Vanessa Mendoza 762 Selina Maldonado 585 Melissa Argomaniz
Bonilla 6,725 Scott Wheeler 4,319 Michael Russo 2,860 Jessica Santamarina 1,813 Doron Freud 671 Peter Gabranski
3,958 Eric Caballero 1,847 Miguel Diego 1,343 Lauren Smalley Pena 759 Brad Burrows 584 Jermaine Moye
13,988 Casey Kunash 6,434 Gregory Rudolph 4,299 Clayton Slaughter 2,859 Tyler Worstell 1,785 Jesse Fullmer 617 Jeff Wentworth
3,836 Michele Stewart Esquivel 1,319 Steven Roberts 983 Nicholas Davis 756 Sky Plunkett 583 Michael Maloney
13,353 Brody 6,373 Ryan Wilson 4,271 Kaitlyn Brandt 2,823 Robert Jackson 1,687 Brandon Summerton 612 Dustin Holtz
3,350 Shiv Patel 1,840 Alvaro Ramirez 1,314 Richard Leveille 977 Sylwia Faucher 748 Fernando Molina 582 Pamela Oleary
Maughan-Evanson 6,234 Adam Kidikas 4,169 Melinda-Rae Lyse 2,815 Jesse Rennich 1,540 Mac Duddy 598 Patrick Donovan
3,315 Phillip Rigoli Calderon 1,296 Jorge Reyes 973 Stephanie Brockman 738 Alvin Johnson 582 Francesca Veltri
13,081 Matthew Diulus 6,165 Britton Costa 4,098 Mark Lahijani 2,790 Michael Russin 1,483 Darez Meriwether 591 Myaa Fallon
3,112 Andrew Siebert 1,821 Ashley Acremant 1,285 Veronica Britos 970 Noah Vongunden 738 Delvin Lanier 580 Jennifer Savino
12,279 Chase Miller 6,052 John Vacca 4,097 Ashley Wenning 2,734 Sergio Carta 1,342 Derrick Mason 590 Stephen Jeung
3,064 Edward Leon 1,770 Jared Guglielmino 1,279 Michael Alexander 948 Sean Gillespie 732 Christopher Yuan 578 Joshua Hosenbold
12,161 Randall Cook 5,934 Jeffrey Espinal 4,047 Alexandra Graham 2,670 Nicole Preston 1,317 Samuel Artzis 559 Ryan Witham
3,049 Chris Lewis 1,769 Havis Alvarado 1,264 Jacob Reiter 944 Leonardo Alsina 729 Nathaniel Bermes 577 Lisarenee Hahnlen
11,794 Justin Adams 5,927 Alberto Alcala 3,888 Brandon Schwed 2,562 Gary Slocum 1,251 Richard Whyte 545 Elias Boles
2,983 Steven Counts 1,742 Ryan M Wilson 1,262 Joseph Kanaan 926 Jonathan Parham 729 Jesse Weaver 576 Michael Scarborough
11,623 Brent Bowling 5,836 Meaghan Krecsko 3,555 Chris McFoy 2,530 William Parmeter 1,228 Rielly Maher 503 Omar Billy
2,879 Snoor Qaradaghi 1,730 Arianna Hobson 1,255 Cory Moncol 918 Joseph Michelin 725 Katherine Nummy 575 George Ray
11,438 Andrew Bishop 5,750 Tyler Boulden 3,452 Romal Omid 2,349 Kingsley Ibeh 1,198 Christopher Botelho
2,869 Gianni Toma 1,729 Marcus Pettigrew 1,247 Tyler Teague 917 Mayaribe Rivas Delsi 708 Alicia Medina 574 Luis Osorio Bello
10,847 Paul Smith 5,675 Alexis Naranjo 3,367 Angel Contreras 2,328 Travis Vaughn 1,192 Marissa Neff
2,860 Joseph Crivelli 1,717 Lynn Svoboda 1,246 Anthony Dell’anno 913 Jake Kim 704 Lambert McElrath 574 Gabrielle Kolar
2,807 Dameyan Chambers 1,717 Gabriel Rocha 1,233 Kelechi Anele 912 Rebecca Patterson 704 Kristin Kozakiewicz 571 Chad McLaughlin
2,790 Daniel Arzate Roa 1,705 Ricky Gandhi 1,233 Jonathan Ojendi 910 Benjamin Sulcer 703 Tina Rheaume 571 Brian Obrecht
2,780 Sandra Armendariz 1,693 Jessie Holland 1,232 Kenson Delva 910 Shanna Eller 700 Stephanie Prince 564 Anthony Iacovino
2,735 Miguel Marquina 1,681 Jillian Getz 1,195 Marcos Villalobos 908 Casey Combs Leon 562 Sommer Waskiewicz
2,647 Marvelie Sanchez 1,656 Jennifer Siregar Morales 907 Timothy Rose 700 Sunday Conine 561 Tyler Hart
2,640 Alexandra Jaeger 1,602 Woodrow Kincaid 1,193 Jusem Hajali 906 Sean Henry 700 John Crespin 548 Edon Nevzadi
2,624 Damaris Trejo 1,567 Michael Santos 1,193 Diego Vargas 904 Alexandria Greer 699 Crystal Dugger 540 Yxel Yanes Yradi
2,603 Jonathan Collins 1,555 Damaras Obi 1,187 Thomas Griffin 901 Molly Remhof 698 Marvin Mondragon 537 Belinda Polite
2,591 Austen Oakes 1,546 Kimbria Bracey 1,164 Jonathan Ballard 897 Oliany Matos Abella 696 Brenda Giron Rangel 536 Cristian Yanez Ojeda
2,496 Shane Valentine 1,535 Tevin Overton 1,162 Vincenzo 890 Edwin Perez 688 Avion Johnson 535 Christopher Gilbert
2,467 Kristi Basho 1,512 Arianna DaLuz Montaggioni 889 Stephanie Burghardt 685 Lauretta Bawo 530 Adam Birch
2,423 Heather Beatty 1,508 Sharissa Andreas Colmenarez 887 Camryn 685 Gabriela Perez 527 Cedar Hansen
2,338 Tecole Smith 1,504 Kristel Paredes Garcia 1,157 Charles Tier Powell-Raymer 682 Shawn Feistamel 519 Chloe Snow
2,273 Mackenzie Burchett 1,502 Bendu Jackson 1,132 Jared Robertson 871 Spencer Kozej 661 Patricia Cicerale 518 Seth-Thomas
2,236 Tiffany Bertao 1,501 Holli Allien 1,127 Amanda Urdaneta 869 Christian Margarum 656 Sonya Martin Ordeneaux
2,190 Joshua Notte 1,458 Leanne Erney 1,119 Kurt-James 867 Anthony Martinez 656 Ileana Tineo 513 Josey Johnson
2,142 Jacob Labree 1,445 Pretoria Samuel MacMillan 867 Ahmad Aqel 652 Kearra Harris 511 Erica Robertson
2,111 Estephanie 1,445 Cody Nykoliation 1,113 Juan Leonardo 862 Zakaria Elgahmi 645 Joseph Bell 511 Ryan Queyrouze
Montecillo 1,444 Priscilla Blanco 1,108 Christina Babcock 857 Aliexka Pineda 644 Mariah Luquin 503 Adam Anderson
2,061 Jessica Daniels 1,434 Thomas Wright 1,104 Christopher P Filline 850 Evelyn Leon-Perez Botello 500 Kristi Pack
2,061 Willie Hobbs 1,426 Patrick Sullivan 1,103 Faith Jones 844 Andres Cano 642 Michael Castro
48
REINSTATEMENT BONUS 49

1 2 3 4 5

November Qualifiers–
Outstanding Producers & PR Representatives:

Carmen Arroyo Carrington Hanna Lily Sakai

Orby Kelley Sami Mogannam Mitchell Look Nicholas Gasparro Dawid Liniewski
$3,076 $2,784 $2,291 $1,970 $1,913
S-S-Bendure-Hartwig Andrew McQuade S-S-Parks-Salvaggi Sabrina Lloyd Philip Prata Theodore Pappas AO Cohen-Velasquez
6 Qualifications 2 Qualifications 37 Qualifications
$210,292 Net ALP $148,152 Net ALP $139,001 Net ALP
81.6 RET 92.7 RET 93.1 RET

November Bonus Leaders PAYOUT: $77,306 QUALIFIERS: 193 Muhammed Ashraf Roger Fredericks Nikolla Lulgjuraj

Theodore Pappas AO AO
3,076 Orby Kelley 1,300 Joseph B Smith 1,069 Valerie Ross 884 Laurekins Pardovani 676 Diane Carrion 592 Armando Aiello 16 Qualifications 7 Qualifications 1 Qualification
2,784 Sami Mogannam 1,294 Nabil Spahi 1,055 Zenon Zorij 862 Yasmin Kapadia 669 John Schaeffer 584 Ethan Pfeifer $125,861 Net ALP $117,169 Net ALP $113,209 Net ALP
2,291 Mitchell Look 1,291 Sabrina 1,041 Veronica Coval 787 Gregory Caldwell 656 Megan Russell 580 Lenora Blackstone 90.1 RET 89.9 RET 86.5 RET
1,970 Nicholas Gasparro Kryshundayal 1,007 Olga Tsymbal 769 Isabella Celli 653 Miguel Hernandez 565 Deborah Noga
1,913 Dawid Liniewski 1,274 James C Carter 996 Gina Kramer 760 Joachim Jean 645 Ryan Vopat
1,675 Leonard Budiac 1,233 Tina Saenz 990 Jack Craig 757 Marc D’Emilia 637 Al-Karim Walji Kristi Basho Derrick Mason Hernan Rodriguez
1,441 Alexander Gross 1,181 Fabian Aniekwensi 965 Houda Legsai 683 Alexus Hawkins 624 Francesca Veltri Becerra
1,406 Denise Ley 1,147 Maurice Baritz 959 Jenny Alvarez 678 Natalie Soboleva 622 Joseph Faisant
AO Chad Deley Jesus Romero
1,360 Loraine Patterson 1,135 Kareem Mutia 928 Dason Phaul 677 Nikki Crosby 597 Tahisha Beresford
1 Qualification 3 Qualifications 2 Qualifications
$111,175 Net ALP $104,452 Net ALP $83,376 Net ALP
90.9 RET 84.5 RET 94.5 RET

Lamine Diakhate Joachim Jean Kurt Evans

Satti-Kanaan Laura Fisher Josh West

1 Qualification 15 Qualifications 1 Qualification
$82,159 Net ALP $81,630 Net ALP $81,432 Net ALP
100.0 RET 87.4 RET 85.3 RET

5 BONUS
$6,056,751
Nicholas Davis

TOTAL: Tom Williams

1 Qualification
$71,478 Net ALP
80.2 RET
WORLD’S GREATEST LEADERSHIP RGA LEADERSHIP SA/GA TRAINING REINSTATEMENT
$2,621,486 $1,875,445 $990,553 $491,961 $77,306

All qualifiers listed achieved at least $500 in bonus totals | WGB qualifiers achieved at least $1000 in bonus totals | WGB recognition is based on $1,000 MTD Net ALP minimum achievement level
50 Sales Director of the Month 51

James De Petro
Another champion, another milestone!
Each champion will receive a bonus of $5,000, plus $5,000 for eachJames had 66.88% growth over

REPEAT
additional
qualification, and the Million Dollar Club Award. Congratulations on yourNovember 2020.
achievements!

VP of the Month PR Director of the Month

Fred Hadayia Denise Gilbert

Lamine Diakhate
Fred had 27.83% growth over
Satti-Kanaan
November 2020.
Contracted 10/12/05
Qualified 11/30/21
$1,010,171 Net ALP
Oscar Gastelum
Cindy Furer Denise met 106.20% of Objective
Contracted 1/30/12during November 2021.
Qualified 11/30/21
$1,004,404 Net ALP amazes me… not because it shows a world In 2022, our biggest task will be to think
that’s suffering, but because it shows a world outside the box to recruit and train new,
that has endured, and more importantly, a quality individuals. As of November 2021,
David Zophin world that has adapted. the unemployment rate in the United States
President Almost every activity we engage in is 4.2 percent (according to the U.S. Bureau
American Income Life & has changed. We shop differently, dine out of Labor Statistics). And while companies are
Sales Director of the Month National Income Life Divisions and attend performances differently, travel
differently, and our children attend school
struggling to fill their employment shortages, I
want you to see that 4.2 percent as a tremen-
differently. As a company, we do business dous opportunity to recruit, train, and retain

A
s we close another year on anoth-
er fantastic note, I want to take this
opportunity to express my sincerest
gratitude for such an amazing agency force
James De Petro and PR team. During the season that giving
Another champion, another milestone!
and receiving have such prominent roles, I
Each champion will receive a bonus of $5,000, plus $5,000 for each additional
qualification, and the Million Dollar Club Award. Congratulations on yourJames had 66.88% growth over
achievements! hope you all realize just how much you’ve
November 2020. given throughout the year. From the families
who have gained protection because of
you to your recruits who have experienced
Opportunity Unlimited because of you, and
differently. We have made our customers’
safety and comfort level our top priority, and
not only has that allowed us to endure, but
it has allowed us to thrive. We have met ad-
versity head-on and have come out stronger
because of it. So even though a glance at or
read-through of the news these days might
be enough to make your head spin, there
really does exist a whole new world that in so
many ways is better, smarter, and stronger.
Our company is part of that world.
like never before. I want you to say you’re up
for the challenge – ready to build your team
and your legacy.
And if you make recruiting a top priority,
AIL/NILICO will be sweetening the deal by
offering perks like membership in the new
Pinnacle Recruiting Club. You’ll have the
chance to become an elite member of some-
thing noteworthy by putting yourself out there
for some personal recruiting. It might involve
some innovative thinking and extra effort, but

VP of the Month PR Director of the Month to your agencies and everyone else who has
counted on you, you have given so much
One of the many novelties that has come
out of this transformed world is an increased
I have every confidence you’re up for the chal-
lenge and will make 2022 a year to remember.
more than 12 months of hard work. You’ve opportunity for recruiting. While reports Thank you again for an incredible year.
given hope. You’ve given security. You’ve of staffing shortages and individuals not I wish you all a happy, healthy, safe holiday
changed people’s lives in so many ways. So wanting to work continue to flood the head- season, and while you’re celebrating with your
as you reflect on the past year, know that you lines, we must work around this challenge loved ones, take a moment to applaud yourself
truly have made a difference. and show others what a worthwhile career and all you’ve done throughout the year.
The end of 2021 looks noticeably different looks like. It’s up to us to continue to appeal Remember why you do what you do, and make
Lamine DiakhateFred Hadayia
Oscar Gastelum 0 Denise Gilbert 0 than recent years. And while the world to hardworking, resolute individuals who a quick resolution to make this upcoming year
Satti-Kanaan Cindy Furer 0 0 continues to grapple with difficulty and un- are looking for something bigger and better even more spectacular. I’m looking forward to
Contracted 10/12/05Fred had 27.83%
Contracted 1/30/12
growth over Contracted 1/0/00 Denise met 106.20%
Contracted 1/0/00
of Objective certainty, this difference in appearance truly in their lives. a prosperous 2022.
Qualified 11/30/21 November 2020.
Qualified 11/30/21 Qualified 1/0/00 during November
Qualified
2021. 1/0/00
$1,010,171 Net ALP $1,004,404 Net ALP $ Net ALP $ Net ALP
AILife.com
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Waco, TX 76710

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CAESARS PALACE • LAS VEGAS

MAY 4-7, 2O22
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